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The nursing home may keep a big secret from you about financial planning for a loved one's care. A scenario is presented where Harry needs care due to a stroke, and the home indicates the couple has $175,000 in assets, including CDs, IRAs, and income. However, taxes have not been paid on these amounts, and Harry only receives $2,000 monthly in Social Security and pension, while Wanda has $800822731311876005.