Every few months, a family sits down in my Whitman office in the middle of a crisis. Mom has fallen. She's in rehab, the rehab is ending, and she's not coming home — she needs a nursing home. The family has just learned two things: the nursing home costs more per month than most people earn, and Medicare isn't going to pay for it. Then comes the question I hear word for word: "Can't we just put the house in the kids' names?" The honest answer is: you could have — five years a