You are correct, inflation does not keep up. So, what should have done with her money, stock market?
In all due respect, your Mom was not invested well. My mother did the same thing until my father died and I took over.
Rent or paid off home, you still have expenses. i.e. taxes, insurance, maintenance. Were there stairs in the house?
I agree 66 or 67 is the age you take it... if you can.
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