If you zoom out from the immediate month-to-month costs and look at the total amounts instead, the picture looks different to me.

My mom’s care is likely to be relatively limited from here. I’m also not sure what long-term support for Juno you are assuming. If you are not planning to support them indefinitely after college, then that is also a relatively limited item. And Juno is already a trust beneficiary.

The house is finite too. Taken together, all of that still looks to me like well under $1 million, which is less than 20% of the total resources we are talking about.