<prompt> Human: Hello, Seeking for advice for my single parent. She is a relatively high earner 350kyear, living in a major US city. She currently has approx 145k saved: 21k in VTTVX 2025, 21k in VTTHX 2013, 31k in a Vanguard money market fund, and 73k in cash. She doesnt own her apartment and pays 2800 a month for a rental. She would like to buy a property in her expensive city and would probably need 200k for a downpayment. She is 60 years old and plans on working for at least 10 more years if not more. After taking care of her children- paid for everything: collegeprivate schools etc. our whole lives she finally started saving for herself and accomplished these savings within the last handful of years. What would be the best allocation plan for her overall? Im a big fan of a 3-4 etf strategy and think the 20252035 retirement funds are expensive. I am also a high earner in my 30s and would happily be able to assist with her long-term care in the future. Thanks.  <response>: As a guy who is now wrestling with assisted-living LTC issues involving my MIL, who has always been evasive about money matters and made some disastrous decisions on the grounds that I didnt think anything like that would ever happen to me, I can tell you: do everything possible right now to prep for latter-stage possibilities. Your mom may think shes good to work for another ten years, but you never know. Health issues can intervene, savings can dry up in a weekend thanks to one medical episode, insurance will only get more expensive and lower-utility as she ages. End-stage care is a difficult issue to broach sometimes. But a high income now is not a guarantor of security later... and here Moms income-to-savings-ratio is alarmingly high: shes got about 50 of a years income saved up when, at this stage, 10X annual income would be a good rule-of-thumb cushion. I would certainly try to sock a lot more into savings, lower monthly expenses buying real estate may not be sensible here and I dont know where the 200k comes from, economize as possible, and make Medicaid plans and buy supplemental insurance, LTC policy, etc. as soon as able. 