Investable assets question when computing required return computing, inherited, question, required, anything

jim8z3

Schweser SS16, page 173
“Client inherited $1 million”, also has $55k in cds, checking account.
When they go and calculate return,
FV = - college expenses,
Pmt= - travel expenses,
PV = $1 million,
Why dont the use the $55k? I thought for investable assets, the $55k would be inlcuded. There is no mention about not using the $55k in the question , or anything that ties it to the house etc ( house not to be included in investable assets).
Anyone know why ?