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[quote=Anonymous][quote=Anonymous]Your plan needs to include how you will be cared for-retirement community with different levels? Hire an age in place agency? Look at those costs. Kids raising children are niot a retirement plan, nor are your friends. Sure people will be there for you through some illnesses, but your grandchildren will have needs. The rates of all sorts of pediatric disabilities and illnesses are going up and even kids without serious issues are time consuming and won't always feel a deep connection to the grandparents. You cannot assume their family will revolve around your every time you need it. You should see  these people as extra supports and extra checks and balances, but not your primary source of health support as you age.[/quote]

Sorry I wasn't clear-I don't mean retirement community now, but you need to financially plan for how you will be cared for. Living the good life in Europe and then as your health goes south settling down right near adult kids and expecting them to upend their childrearing to cater to your needs is not a plan. My mother used to be so impressed our neighbors took in the woman's mother. That woman cleaned their home, babysat the children and cooked all their meals! Once she was old enough to have health issues they kept her there, but they hired people to care for her. It's not all about the elder's needs. They are part of a system. The fact you changed your kid's diaper's when they were a cute toddler is a requirement of deciding to have children, not an investment in having your adult children cater to you in old age, especially if you become difficult and hostile with age (as some do).[/quote]

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