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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I hope you’ve lined up long-term care.[/quote]

Haven’t you? Don’t tell me your long-term care plan is to be dependent on your kids?
Poor kids. They deserve better.[/quote]

ahahahaha. NP. The notion that anyone can successfully line up long-term care 40 years out is hilarious. even the federal government LTC program has been suspended since December. OP also somehow thinks that he will be able to retire in his 40s, so 15-20 years before medicare eligibility. Anyway, while many states have filial responsibility laws, Maryland does not. And even the states that do have those laws take into account parental lack of support/estrangement.

Even the most fiercely independent childless people I know need to lean on the goodwill of those around them as they get older; pure money does not solve the need for care and assistance. (and money usually means someone ends up getting fleeced, eventually.) Dependent doesn't have to mean that a child is expected to physically tend to an infirm or ailing or senile parent, but alienating ones children such that they wouldn't feel any need or want to even come visit you in the hospital after say a car accident seems highly likely in OPs case.

Personally, I do not expect my child to be my long-term care. I do expect to do everything I can to give them opportunities and educational support to launch an independent, caring, and successful child who hopefully will want to continue be a part of my life as they become an adult.

And sure, I went to college in the early 90s and paid my own way and promptly dropped out after a year because I was working three jobs to try and pay for it, and if you had asked me at the time I would have said that it was a formative and somewhat worthwhile experience because I only ended up about $5k in the hole and ended up having a successful career including paying cash for my degree later. But the financial landscape has greatly changed and with age I don't actually continue to think that literal hunger is the only way to instill an appreciation of the value of hard work or what things actually cost. If you've ended up with complacent and oblivious kids by the time they are 18, that would be a failure of your parenting. sudden "tough love" is not likely to improve either them or your relationship with them. 
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