Looking for any input on a thorny issue. Have had a moderately rocky relationship with my mom (dad is deceased) but I call once a week and visit about twice a year. Last phone call she informed me that she is "broke" and essentially down to social security (1400/month). She has been living on about 34k per year (SS plus drawdown on retirement) with sporadic small cash from me and whoever she can get to give her small amounts. To give some background, I paid for college and postgrad on my own. She lives in a house worth around 180k and has a meeting with someone this week about a reverse mortgage. She is 74 and her health is declining fairly fast with severe erosive arthritis, hearing loss, and few other minor issues. High likelihood of wheelchair/walker within two years and high likelihood of hip fracture as well. My sister lives about 10 miles away and I live 5 hours away. My sister and I would like her to sell the house (again, her only asset) and move to a smaller house much closer to my sister and get an SPIA. I need to add that she cannot manage money, so anything other than an SPIA is playing with fire in terms of ripping thru this in a few years. I would also add that there is an implied solution that me and my wife just fork over the 18k/year balance that she needs to keep up her lifestyle. And that is not going to happen. Any advice or personal experience greatly appreciated.