Susan's mother is currently living in a nursing home, and she is worried about the financial drain of her mother's long-term care costs. She would like to start planning for her own potential future in assisted living. Her quote for long-term care insurance is $2060 per year until she is eligible for the maximum benefits of $280 per day (inflation protected) for a 3-year benefit period. She is 55 years old and can earn an APY of 3.5%, and the long-term inflation rate is 1.7%. If she estimates her long-term care needs based on her mother at 85 years old and plans to retire in Arizona, where the current cost of nursing care is $82000, what should she do?