I’m going through the paperwork for my mom, and HolyS###, I was not ready for this.
The month-to-month was estimated to me to be about $5000/mo by SWIRKA and my lawyer, but the reality is that it is about $7300/mo. So the assets went from being 6 months to 3 to 4 months based on expenses leading up to this.
It is no longer affordable to retire. If you cannot function as an adult, have a backup plan.