That makes complete sense. I think I got the timing a bit twisted up in my mind, thinking you’d been working with her a bit longer.
I can only imagine how scary it must be to be handed a large sum of money, when your life has just been turned upside down, and not really having a “plan”. Not that you should be expected to have one. It sounds like you are taking things one step at a time and doing what works best for you while getting yourself as comfortable as you can be all things considered.