Augeries

In farm country, there are ways to shelter assets. Most common is to create a farm corporation and put the old parents land into it, and the remaining land into a lifetime trust.

Of course, they have to stay out of the home or federal assistance for at least 7 years.

Mom did it, and I will at least have some of the old homestead. But who knows.

The 401K talk reminds me of what my Grandfather did when I opened my first account. He blew a gasket, and said "If the government wants you to do this, they will take it when they fell like it!" Seems his mother had some gold that the Roosevelt administration seized.