This question hits me hard. While I was taking care of my mom for 4 years, I really didn’t have any spare money. Meanwhile, I had two siblings who were quite well off who, because they didn’t have power of attorney to spend my mom’s money, and she had dementia and wasn’t able to make the decision for herself, she was denied home health care that could have improved her quality of life at least for a while and allowed her to stay at home a bit longer, which was always her wish. It wasn’t until the last possible moment that they discussed getting more help in the house, as her needs were too great for me to be able to physically handle on my own and none of them were helping. At that point it was too late because some of her other health issues meant that she had to go into long-term care for the last part of her life and not get to stay at home longer. It always makes me sad that if I had had the money I would have helped. It might not have left me in the best position financially, but I would have done so, if only to allow her to stay in her home longer. And yet those who had money to help would not. So I’ll go with the first option.