Reply to If you are in your 60s or 70s, and you are living in a regular house...

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[quote=Anonymous][quote=Anonymous]Re: CCR communities, it's not about needing the motivation, it's the money those places cost. Those places are expensive and extremely expensive in the DMV. Fine it you have so much money that you don't need to care if you're there 10 years vs 20 years, vs 25 years. It's a lot of money. Again, fine if the extra money, of 10-15 more years of living there, isn't going to worry you. That's not a worry I want at 65 or 70.[/quote]

I guess I'll address this on 2 levels. 
First of all, CCRC communities, or independent livings, are 100% absolutely not appropriate for anyone in their 60s, and still probably not in their 70s. I am sure there are exceptions,  for various  esoteric reasons, but let's not pool everyone who has retired in one age group. Very different lifestyles, interests, motivations between 60s and 70s and 80s. It's generational.

Cost- sure, there is a large " buy in" and high monthly rental costs.  But, if you've been through, with an elderly relative,  what that cost looks like without a CCRC situation, it's so mych mire affordable. Needing 24 hour care, assisted living, or anything close to it will wipe our everything and a Medicaid facility is basically no care. We are in our 60s, and of course we aren't looking into a CCRC now at all, in fact, we are not looking at anything to do differently than what we are doing now, but in our 80, yep! CCRC is the plan. Here's the catch..we both have to be healthy to go. So, it's a bit of a crap shoot as to when to go. [/quote]

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