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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]And because of this, you all are planning for your own long term care arrangements, correct?  So that you have a plan, and some finances, dedicated to your care as you age.  My mom has done this already and I am already so grateful she's had the foresight to plan for her aging.  [/quote]

Well...it depends on what you think is the perfect solution.  Should dh and I wait for our kids to both be off at college and then move into a continuing care facility at the age 0f 55+ - ya never know when we'll start to go down hill, right?

How do you plan for this?[/quote]

I don't think you need to move yourselves anywhere.  But you do need to be OPEN to the idea.  You need to be setting you finances to account for this.  If you want to age in place (in your home) you need to be looking at what home health aides cost.  You need to be OPEN to having and using nurses etc to help you age in place, so that it's not all on your children's shoulders to figure out for you.  Sure, they can help with some of this, but as this thread proves, the sandwiched generation gets pulled in two directions almost to their breaking point.  You have time now to plan for your care as you age.  Figure out what makes sense for your income bracket.  Make the plans and tell your children about these plans are you get older.

There is nothing stopping you from finding a retirement community or nursing home you like, and saying "when the time comes, we'll go here".  That way there is a plan.  I think a lot of the stress surrounding these situations is older couples just think they can live at home forever without any help.  But then they keep needing more and more and more help from their children.

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I'm open to the idea.  I lived in a neighborhood where I saw people living in their homes, driving, shopping, doing house and yard work (or at least arranging and paying for it) well into their 80's and even 90's.  I also saw some folks who probably should have downsized, simplified their lives and gotten extra help well before they did.

I hope and pray that dh and I will have the wisdom to see "that time" in ourselves when/if that time comes for us....before our kids have no choice but to step in.

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