Ramsey identified the core issue immediately: "So why do we need even more if she's doing fine?" Travel is a concrete goal with a concrete cost. The question is whether the gap between current income and a realistic travel budget is large enough to justify restructuring property ownership. In most cases, it is not.The son or daughter buys the house for $400,000, handing mom a lump sum. In exchange, she surrenders the asset anchoring her financial stability. She becomes a tenant in her own former home, depen ...