Hi, my Mom has approximately 32k in a regular savings account. She is living with me and my wife now and has no expenses, other than food and clothing, which her SS is more than enough to handle. So I want to put that money in to a CD to earn more interest. I realize this will be a 'transfer of funds' to me and know there is no way to get around the 30 month look back (live in California). In the event that she needs a nursing home, whether or not that money is transferred to me or kept in her name in this savings account is irrelevant because I realize that amount of money will have to go toward the nursing home until depleted either way, SO if I transfer that amount to a CD, when the 'look back' sees that she transferred money in to my account, they will penalize her OR if if it's in her name in the savings, they will make her use that money until it's depleted. It is exactly the same thing. That money is there for her IF she needs a NH in the future. AND IF she does NOT need to go in to a NH, the money is in an interest bearing CD, making money, for however long she lives. I am the heir to her $$, so it's just a way of making that money make money. Anyone ever done this? AND yes, I could keep it in her name...but if she lives, say, another 3 years, then she is past the look back time. Being financially prudent, it just makes sense. Has anyone ever heard of this before? Also, this is her only asset, nothing else. She probably could go in to assisted living now and deplete that money (probably in 3 months) but she is happier here with us. Thank you.