C03: A Caregiver Balancing Cash And Capacity
Why This MattersRead the earlier reference in its original context, with its historical statements and limits preserved.
Opening cash $9,000; six-month horizon; take-home pay $3,800, essentials $3,500 and other consumption $100. Floor $3,500. Compare the current care arrangement with paid support costing an additional $250 monthly.
Starting Position And Alternatives
Opening cash $9,000; six-month horizon; take-home pay $3,800, essentials $3,500 and other consumption $100. Floor $3,500. Compare the current care arrangement with paid support costing an additional $250 monthly.
Disclosed Adverse Scenario
In months 2-4, pay falls to $2,800 and essentials rise by $600; an additional $2,000 payment occurs in month 2. No income benefit is assumed for purchased support.
| Plan / scenario | End cash | Min cash | Floor month | Below $0 |
|---|---|---|---|---|
| current care / base | $10,200 | $9,000 | - | - |
| current care / care shock | $3,400 | $3,000 | 4 | - |
| paid support / base | $8,700 | $8,700 | - | - |
| paid support / care shock | $1,900 | $1,900 | 4 | - |
Interpretation
Under the care shock, the current arrangement ends at $3,400; paid support ends at $1,900. Both breach the chosen floor. These figures measure cash only.
Review Disposition
INCOMPLETE as an overall care choice until coverage, sustainable hours, consent and the support’s actual benefit are documented. A cheaper arrangement can be impossible or unacceptable.
Principle Illustrated
Cash arithmetic cannot decide the value of care. Support that protects a person’s health can be preferred even when modeled cash is lower.