My husband's parents live with us, in our home, rent-free. Until recently, my FIL's primary entertainment was using his SS income to go to the casino. Now, he's unable to go by himself, and my MIL has taken over his finances. She's concerned that he has too much money in his account to qualify for Medicaid, because it's been building up over the past few months. I suggested that she pay for their cell phone bill, or that she meet with our local funeral director and start planning for their funerals, because it would be considerate to us. My daughter told me that I was being mean. I told her that my own grandmother had done just that, and we enjoyed a lovely luncheon at a restaurant afterward with family. But I did send my MIL a text with some funeral home pre-planning information. Is my daughter right? Was I a jerk for suggesting she spend money by pre-paying for her own funeral?