Been where you are. Sounds like your mom is transitioning, which can be months long. My mom passed away 1 month before her money ran out. Although in the throes of the end stages of Alzheimer’s, she somehow knew when to go. She always despised spending her money on things that she thought were wasteful. We were continually reassuring her that she could go and that we would be okay. I was so relieved for her when she passed. After having multiple mini funerals over time for her as parts of herself were stolen by the disease, I didn’t feel sadness at all when she finally passed. She was finally at peace. May peace be with your mom soon.