But she is not being careful. I am trying to keep her spending at a minimum because when her money runs out she will have to go on medicaid which we don't want but she fights me tooth and nail. she is 95 and in assisted living. She does not have dementia or alzhimers - she does have Mild Cognitive Impairment. I am trying to do the right thing by her and keep telling her that if she passes away I won't have the money to pay all her bills.