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Small-Scale Question Sunday for March 30, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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but who knows what rates will do in the future and it seems like leaving money on the table (which at her age might be fine to buy some security)

It is! you're managing your mother's finances, not running a hedge fund

If you don't mind me asking: how old is she? What kind of health coverage does she have? Does she have any sort of pension already?

In her 70s with health problems. She has decent health coverage with medicare and a private supplemental.