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[quote=Anonymous]As others have already mentioned, the fact that Americans are living so much longer (an average of 88 years) means that the last 10 years of life pose a big problem.  Here is what I have observed.

1. Middle-aged adults complain quite a lot about having to help with caring for elderly parents.  (For numerous examples, check out the DCUrbanMom forum for Midlife Concerns & Eldercare. https://www.dcurbanmom.com/jforum/forums/show/51.page).  My parents are completely independent (in their 70's), but I am shocked to read the bitter complaints about the misery of caring for elderly parents.  It sounds pretty bad.)

2. Financial advisors warn that it is harmful to one's financial health to retire early to take care of elderly parents.  (Some middle-aged women still feel obliged to do this.  I can only see retiring early if the elderly parents are planning to help the middle-aged daughter financially.)

3. The current elderly generation likely did not have to care for elderly parents themselves, as their own parents did not live until 90 years old (as so many do now).

4. No one wants to be a burden to their children.

5. It seems unfortunate that many Americans work so hard to save, only to burn through that money for nursing home care in the later years of life.

6. It all makes me wonder if it's worth living to 90 years old.  I can see living to 85 years, but 90 years seems a bridge too far.  Of course ,there is so much variation -- one person can be in terrible shape at 90, whereas another can be in great shape for 90 (all things considered).
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