A couple of things. NUMBER ONE: My 95-year old mother refuses to stop driving. Six fender benders in five years, plus a recent "hit and run" (she sideswiped a neighbor's car and kept on going ... acting like she didn't know but later confessed that she did), translates into: get my mother off the streets! I've just written a second letter to the CA DMV (first one was in 2010). All they did last time was to give her a special test for senior drivers. Unfortunately she managed to pass. Don't think she will this time. So...any other suggestions besides, or in addition to, the DMV "unsafe driver letter" route? NUMBER TWO: Mother should be a multi-millionaire but due to poor financial decisions now has only 75k left, plus a house worth about 600k. She is in fairly good shape physically, has no dementia, but has knee and forgetfulness issues. Walks with a cane and walker. Lives alone and needs a caregiver. I live in a different part of the state and have no room for her. Nor would I want her to live withi me ... she's very prideful, stubborn and hard to get along with. Nor would she want to move here ... or anywhere. Wants to stay in own home. Besides she will probably live a long time and would run out of money in an assisted care place anway. They are $8-12 per month in Northern CA! Other sisters can't help, though one has POA. Don't want her to do a reverse mortgage but she has no choice if we are going to pay for a part-time caregiver. I recently inherited money from my father (they were divorced when I was five) but I need to invest/save that money for my own so-called "golden years." I have no intention of supporting my mother unless I'm forced to. That may sound callous but you don't know my mother! She has NPD (Narcissistic Personality Disorder.) Besides being foolish with her money, she stole my inheritance from my grandmother. It came back on her after she lost a million dollars in a Ponzi scheme. My (my sisters and I) are afraid that she will take the reverse mortgage money and do something foolish and then she won't have any money left for a caregiver. Plus, what if she falls? Or gets into another car accident if the DMV doesn't take her license away? These are all big concerns for us. I believe there is a kind of RM where the bank doles the money out in monthly payments rather than one lump sum ... which would be far better in her case. Any help with this would be most appreciated!