I am Mom's financial p.o.a., along with my brother. Mother added me as a signer on her checking account years ago. She became completely incapacitated last winter, then recovered somewhat and is now in AL. It is around 5000 a month. Her income is 3500 a month. She had 22,000 in checking when I took over, and has over 300,000 in savings. I want to keep her checking balance above 15,000 and because of her expensive dental work that she's having done, I had to transfer 10,000 from her savings to checking. She knows that I can access her banking accounts on line logged in as her. But she keeps commenting that she can't believe her checking account is stretching so far. I have kept receipts of all spending from her checking account, to the penny, should I ever be questioned. She is very frugal and I feel it would upset her if she knew her savings had been accessed. She does not know exactly how much her AL costs, I just assure her that it's ok and she can afford it. I have not spent any of it on anything other than her, with the exception of a tank of gas she wanted to buy me one day when I was driving her around. I saved that receipt and filed it with the others. My brother tells me to just keep doing what I'm doing so that she does't worry about stuff. She is 85 . Somehow I just keep hearing that question "what could go wrong?" BTW brother is not actively involved with her finances, he is in another county taking care of our 93 yr old dad. She is aware that her living costs exceed her income, but she is not aware that I can access her savings. Tell her or not?