FUDT

My uncle spent 40 years as a high school teacher. Saved $250k in a modest nest egg. At 78, he developed dementia and needed memory care. The facility cost $8,500 a month. When his savings ran out after two and a half years, the social worker handed my cousin a stack of paperwork. She explained the rule: "Medicaid won't cover a single day until he has less than $2,000 in total liquid assets." He had to sell his car, cash out his remaining life insurance, and empty his checking account just to qualify for basic care. Forty years of discipline, erased down to two thousand dollars so he could die in a shared room. They don't let working class families leave a legacy. They make sure you die with zero before they hand you a safety net.