What is your elder care plan for yourself?
Posted by Finding_Way_@reddit | GenX | View on Reddit | 359 comments
Had coffee with a friend and she has long-term care insurance. Her father has it and she said it has been a lifesaver. It has covered his assisted living for decades.
Her plan won't be quite as extensive, but it will provide for the sizeable chunk of money that, along with her pension, should provide decent in-home or residential care.
Like the first friend, another friend has plans based on her parents very good planning, and mirrored that.
My parents moved to where we were. Eventually lived with us. In some ways maybe we were their elder care plan and that was fine as they came to us while still healthy and gave A LOT in terms of helping us raise our kids. Not that it was easy, but it was easier because we had such fond memories of their involvement with us when we were adults.
We have a huge pack of kids. Apparently they have talked about the idea that at least two of them need to live near us and that everyone would need to pitch in financially for our care. The youngest one shared this with me.
It is CRAZY to me that my kids are talking about our elder care, but my spouse and I really have not discussed the plan at all!
What about you all? Do you have any plan for your selves as you get older, especially if you need help?
fatkidclutch@reddit
Pray that someone takes pity on me and takes care me. My husband and I have no family to speak of, so it's a little scary
Honest-Suggestion-45@reddit
No kids? No guarantee that kids would care but they sometimes help. I used to think being child free was great! But as I got older I realized it wasn't a good idea.
SpentFabric@reddit
Neither is having kids just so you don’t have to look after yourself.
Pigeonofthesea8@reddit
Fine but let me tell you, in my healthcare system you are done for without an advocate or someone who at least cares about you if you’re even a little dozy. Like forget it.
SpentFabric@reddit
Ideally, I don’t believe people should have children for reasons other than wanting to love and nurture them- but that’s an “in a perfect world” sort of sentiment. Reality is far more complex…
I personally lost everything- my home, savings, career, etc- due to disability from chronic illness and the subsequent medical bills. The future arrived for me in 2015. I need care for the remainder of my life.
I’ve definitely wondered if I made the right choices or if things might be different now if I’d wanted to make a family. I wouldn’t say I regret anything- but I will probably always wonder.
But I could have said all this before- and I’m sorry that I did not. Especially given the subject matter. Apologies if I caused offense.
melston9380@reddit
My older sister thinks I'm going to be her caretaker and money bags because she had no kids and has no savings. News Flash: Nope.
UnivScvm@reddit
I have a different outcome for “takes pity on me and takes care of me.” Since Kevorkian isn’t available, I’ll have to do some research to update what I know about The Hemlock Society and State law.
When I’m crankier and older and in more pain than I am now, I doubt I’d be able to tolerate a nursing home roommate any better than I tolerated one in a college dorm. I’d encourage a family member to “take care of me” with a .40, but I don’t want anyone arrested or guilt-ridden for my benefit. That said, my spouse and I definitely know the preference of the other to pull the plug sooner, rather than later or not at all. But, we don’t all get the convenience and ease of going that way.
Wow…I’m just all sunshine and flowers this morning.
IllTakeACupOfTea@reddit
There are so many on this thread that are saying they will just off themselves. I think we are all in for a rude awakening. In my experience, having shepherded many elderly relatives to their final days, in the end you don’t actually want to die. I’m currently caring for an elderly family member who is 84 has terminal cancer and is in a small amount of pain. She cannot do the things that would normally give her joy. She sits and watches TV all day, which is not her norm. However, despite having spent decades as a member of the hemlock society, always voting for d advocating for assisted suicide, and having access to the means to kill herself, she still persists! I think we are all under estimating what our will to live really will be like at that last moment. I also cared for another elderly family member, a gun owner, and a real tough guy, who always said that if he suffered any disability, he would immediately kill himself. He would see a friend who lost a foot “oh, I wouldn’t live through that. I’d shoot myself!” He would know somebody who had to be helped with toileting “Oh, I’d never live with that! I’d shoot myself!” Well, he spent his last five years, barely shuffling from room to room in a house filled with loaded firearms. He clung to life like a cat on a screen door, people! in the end the will to live is way stronger than we think it is.
Finding_Way_@reddit (OP)
I think the other rude awakening may be that dementia can creep up on you slowly. My mom did not realize it was happening to her. We saw some signs.
Even if her plan had been to take things into her own hands, it wouldn't have come into fruition because she began slipping, was unaware of it, and then was gone from us mentally.
I'm not sure that people realize that in spite of wishes, desires and physical health, cognitive abilities may disappear, quickly or slowly, without you really understanding that it's happening to you. Even if you were told? It doesn't mean that you will mentally be able to process it and manage your own care, or demise.
IllTakeACupOfTea@reddit
Yes! Making a plan that is reasonable when you are 30 or 50 does not mean you can execute it at 85.
The will to live is WAY stronger than we think.
For years my in laws would say they had everything taken care of. They spent $$$ on insurance policies that would pay for in home help, etc. my MIL stockpiled drugs to take things into her own hands, telling us what the markers would be (when she could not care for herself, read her books, enjoy life). She’s now dependent on us for everything and watches tv all day, has things that need drained and cleaned daily, can’t toilet alone. Does she want the drugs? No, throw them out, her life is GREAT! She says she is surprised at this change but she’s just not done.
Nanerpus_is_my_Homie@reddit
Truthfully? The way my current life is going, I’ll be walking into the woods, finding a nice tree, and sit next to it and wait for the earth to reclaim me.
home_dollar@reddit
My 102 year old great-aunt fell and broke her arm and cheekbone at her assisted living facility yesterday. When my mother told me about it, she said that if she gets that old & decides to walk into the lake (we live lakeside) not to stop her. I told her that would be neglect. She suggested just letting her die in her room & I told her that would be neglect. There seems to be unspoken agreement that she will take her own life rather than die in a nursing home. I can't really argue. I have no retirement savings or plan, so I have felt the same way for years. I am not afraid of death, just the pain of death. Once the pain of life becomes unbearable, death will be the preferable option.
We are both happy and fairly healthy, by the way. It's a strange place to be, knowing that things will likely end by one's own hand one day. I hope assisted suicide is embraced here in the US before long, but I doubt it. My main concern is that my mother is a Christian and suicide is punishable by going to hell. I am unsure her belief would allow her to take her life. I am Atheist, so I am not concerned about an afterlife.
SouthOfOz@reddit
My grandmother watched her mother live well into her 90s in nursing care. I remember seeing her when I was really little and all I remember was how skinny and frail she looked. My grandmother did not want to go to a nursing home, likely because of what she saw with her mom.
As it happened, my grandma fell and cracked her pelvis, developed pneumonia in the hospital and died a little over a month after her fall. She was 83. I'm actually glad that she didn't have to live the life her mother did.
Sea-Oven-7560@reddit
Mom got sick and spent 6 months in at home hospice, it was horrid. Dad got sick, spent a week in assisted living, saw all his kids and grand kids and then he died, that's really the way I want to go. Actually if I just die in my 80's in a nice comfortable chair after lunch it would be perfect.
Honest-Suggestion-45@reddit
🙏🩷
home_dollar@reddit
Aww. Thanks for sharing. Sometimes all we can do is be grateful things weren't worse.
Scammy100@reddit
I tell my kids all the time, I will opt out before suffering for a long time and having them watch me suffer. I am strong in my Christian values and went to Bible college but I think God will accept me anyway.
Ok-Elk-8632@reddit
Yup that’s my plan
genxindifferance@reddit
I feel this in my soul
Nanerpus_is_my_Homie@reddit
Right? Just woke up and reading the replies. Wow- shocked to see so many others in our generation are fine with this idea. I think we Gen-Xrs have a vastly broader acceptance, relaxed attitude, and view of death than our counterparts.
Own_Fishing2431@reddit
Death on our own terms and not someone else’s, and certainly not toward some idea or belief we or our loved ones carried.
GAMGAlways@reddit
It's a natural part of the life cycle. Literally 100% of people will die. Being scared of it makes no sense to me.
Charlotte the Spider says, in "Charlotte's Web", that we're born. We live a little while. Then we die.
It's a gift to be able to do so on your own terms.
MyNameIsMudhoney@reddit
Life can be painful for so many, death at times feels like a sweet reprieve. Or rather I read that it's not "death" some look forward to, it's the "not living". Makes sense to me at least.
Own_Fishing2431@reddit
The clearing at the end of the path.
AnimatorDifficult429@reddit
What if you can’t walk? My grandmother wishes she could do this but it’s been years or her just hanging on. No way is she able to kill herself even if she wanted to.
Nanerpus_is_my_Homie@reddit
Well, that’s gonna be one really awkward Uber ride, but I’ll figure it out.
pandemicblues@reddit
I am going to nudge that along with a firearm, if needed.
LewSchiller@reddit
Yep..suck the barrel.. in a place where I won't be causing an expensive hazmat cleanup.
bzngabazooka@reddit
Same, but with a huge pack of heroin or fetanyl or something to go out on a high at least.
stephorama@reddit
Yep. I’ve never used heroin intravenously but hear it’s the best most wonderful feeling ever. Figure out the death dose, figure out where to get it, and off I go.
MyNameIsMudhoney@reddit
Same. And oddly comforting (?) I'm not alone with this desire.
bzngabazooka@reddit
Same. The trick is to make sure you overdose if not it’s hell with the addiction. Never really done drugs but did my research.
Jld114@reddit
Right there with you!!
MisterEdGein7@reddit
🥲🔫
stephorama@reddit
This song started playing in my head because I am with you!
Nanerpus_is_my_Homie@reddit
Excellent choice!
jmg733mpls@reddit
Same
Jack_Q_Frost_Jr@reddit
That's pretty much my plan too. 🙁
Nanerpus_is_my_Homie@reddit
Sorry friend. :(
jaxiepie7@reddit
I too am a subscriber to this plan. 😕
Nanerpus_is_my_Homie@reddit
We shall save you a nice tree in the Gen X forest, friend.
jaxiepie7@reddit
Thank you, friend. ❤️
creeva@reddit
Gen-X forest is going to be quite crowded.
SnatchAddict@reddit
While listening to Screaming Trees?
ManyCanary5464@reddit
RIP Mark Lanegan
amcm67@reddit
❤️
creeva@reddit
Of course.
crs1904@reddit
We’re gonna need a bigger forest.
Audrey_Angel@reddit
Every country needs its own Jukai
clashfan77@reddit
Sounds good. I'm going to put mushrooms in my pocket and join the fungus mycelium.
Nanerpus_is_my_Homie@reddit
Whelp, now I know what I’m adding to my plan! Thanks!!
jaxiepie7@reddit
This right here ^.
7LeagueBoots@reddit
Same.
MorningNorwegianWood@reddit
🫂
gotkube@reddit
This is basically my plan too. Just add some ether, a can of gasoline and a match. Not even kidding.
Subvet98@reddit
You could definitely find a less painful way
Effective_Device_185@reddit
Majestic.
curious_cat123456@reddit
Mine maybe in Switzerland in a permanent induced sleep capsule.
wolfysworld@reddit
Same
wifmanbreadmaker@reddit
That’s why you always keep one last bullet for yourself. Sure don’t want to put that burden on anyone else.
Mediocre-Catch9580@reddit
Viking Funeral
That_Skirt7522@reddit
Buy long term care insurance, going a type a retirement community, or join a community based aging in place program.
adamsmechanicalhvac@reddit
Told all my kids if it gets to where I need to go in a home....take me on a road trip. To a nice national park or something wheel me where Noone will find me. Hug me have a good laugh with me. Give me a picture of us all together and bounce. Make it an epic weekend at Bernie road trip and mark it on the GPS. Come visit that spot together once in a while
12BarsFromMars@reddit
Die
ChewieBearStare@reddit
My plan is to drop dead instead of having some long, drawn-out illness. I have a birth defect, plus several complications caused by said birth defect, and then a few more health issues due to genetics. I can't get long-term care insurance or life insurance (beyond a very small whole-life burial policy). I'm saving for retirement, but I'm behind, so there's not going to be enough there for much time in a long-term care facility. My FIL just spent four months in a facility that cost $27,000 per month. Even if you save a lot, it can be eaten up pretty quickly.
FakeNickOfferman@reddit
Work until I can't, then cyanide or a bullet in the head.
Daniel_Molloy@reddit
My dad once asked me to take him to the family farm and leave him there and not to come back. Obviously I called him a dumbass and told him that wouldn’t be happening. You’re not a dog. But we’re fortunate that we’ve all been putting money away in a 401k long enough that I should be able to end up in a not completely terrible old folks home.
OneManLost@reddit
My future will probably look something like Grumpy Old Men.
RagingLeonard@reddit
Say goodnight to my family. Go to a motel. Cook up a fat shot of H. Put on Cornell '77. Drift off.
crookedhalo9@reddit
Good plan, but how, where in the world would one buy H or any other illegal drug? Don’t have a clue how to navigate that sort of purchase. I’m just stock piling past unused prescriptions of pain killers and sleeping pills.
Own_Fishing2431@reddit
Plenty of research to be done on this online. Exit bags and facilitated end of life care are good search terms to begin with. Pretty sure there’s a group up in OR/WA that’ll help you figure this all out and get you what you need to prep for that last ride into the sunset. They’ll even handle the immediate aftermath with authorities and medics.
Svelted@reddit
my man! I was wondering what i'd listen too. figured it would Probly one from the vault or Songs in the key of life.
Impossible1999@reddit
Don’t go to a motel please. Instead use your car or a park bench or the beach. Don’t create a hassle for the motel staff.
RagingLeonard@reddit
Thanks for your concern.
aligatorsNmaligators@reddit
😂
MountainMixture9645@reddit
Looking at the genetics of both of our families, I feel like I'll be ok, but I really fear my husband will get Alzheimer's. THAT terrifies me.
justlkin@reddit
There's been some huge breakthroughs recently in Alzheimers prevention and treatment. There's a medication in the research stages that has been shown to prevent brain changes and cognitive decline in mouse subjects. A cure is just around the corner. Plus, they've found that there are lifestyle changes that can also prevent and slow the progression of the disease by many years.
For other types of dementia, there haven't been as many breakthroughs, at least not that I've heard of as of yet. Lewy Body Dementia is an absolutely devastating disease. My ex's mother just passed of this not too long ago. It takes everything away at a slow pace and is gut wrenching for anyone to go through or watch a family member go through.
Own_Fishing2431@reddit
Horseshit.
Scared-Somewhere-510@reddit
I hate to be pessimistic but I’ve been hearing that a cure was around the corner for 25 years (since my mom was diagnosed).
justlkin@reddit
I'm so sorry for you and your mom. Losing my dad recently was really hard, losing a parent to LBD, I just can't even imagine.
Scared-Somewhere-510@reddit
Thank you. It was truly horrific. I’m sorry about your dad.
PurpleLee@reddit
It doesn't run on my husband's side, but it's rampant on my side.
I'm trying to extract a promise to assist me in "sweet surrender" when my time comes, but he refuses.
Own_Fishing2431@reddit
A couple weeks celebrating with family and friends, a stay at a fancy hotel resort, the most delicious meal I can stomach, and two in the brain-pan. No muss, no fuss, no burden on the fam and out on my own terms.
12bonolori@reddit
I think all people with no assets knows the answer.
DragYouDownToHell@reddit
No fucking way do I want to be in a nursing home. I'll make sure that doesn't happen.
Best_Mix_3450@reddit
What if it had video games and a sports bar? Maybe gen x has to reimagine what a nursing home should be like. I don't think any of us want the version that's currently out there.
AnimatorDifficult429@reddit
Yep I’m kinda looking forward to an old folks home, sounds fun
DragYouDownToHell@reddit
It's going to be what some shitstain MBA wants it to be. As far as "community" goes, imagine the home would be just like you are going to your high schools 60th reunion. I feel like I have just about zero in common with most of the people I went to school with.
I think for some people, it would be fine. My gf makes friends with random people all the time. She's the type that would flourish in that setting. I'd rather just be in a cabin the woods with my dog(s) until my time is up.
pdx_mom@reddit
yeah but they aren't all horrible -- like...assisted living -- you have an apartment of some sort, a concierge, medical staff on site, meals, etc etc...
I mean, people were complaining that it was $4k a month and I was like wow what a steal!
DragYouDownToHell@reddit
It just seems like a room you're waiting to die in. Once I can no longer go places on my own, explore, etc, I don't really understand the point of sticking around.
Let me put it another way. If you had a dog, that had health issues, too painful to move, couldn't hold themselves up, pooped in the house, no wag in his tail, got so bad that they couldn't even enjoy being a dog anymore. What would you do?
pdx_mom@reddit
I'm talking about if I were to need more care than now and not so much I can't do anything.
Once you can't take care of yourself or whatever the place you are talking about is more like where my grandmother was. I was happy to have her around as long as she was with us. I would take my kids to visit her and they got to know her and listen to some of her stories. That was previous to me. My dad was only in one of those places for a few months. He had a friend there that he had known for years before his friend went in there and his friend was there for years and years. But my dad didn't want any of it. As I said he was only there a few months.
I get it but there are so many different kinds of places now that so many people need them.
PurpleLee@reddit
Same here. Nor do I want to burden my husband and siblings with my dementia addled ass.
raleel@reddit
My wife and I have discussed a Thelma and Louise situation. If she goes before me, I'm planning on mountain biking off a cliff. My sister in law planned on overdosing and walking into the ocean somewhere remote so "some busybody with narcan won't save" her.
AnimatorDifficult429@reddit
You think you’ll be able to get your bike to a Cliff and be able to bike off of it. My dad is a pretty healthy 87 year old and no way could he get on a bike
Ambie949@reddit
I’m on board with sil. If u see an old lady buying the fent out in the streets, just wish me sweet dreams 😴
raleel@reddit
I'll tackle the busybody for you.
Ambie949@reddit
Bless you 🙏🏼
bobisinthehouse@reddit
Pretty sure mines going to be a handful of pills in my recliner. Definitely not going to a nursing home unless I'm dragged in unconscious!!
The_Patriot@reddit
Keep smoking and drinking like I was twenty until I die.
Start the car, I try to make the midnight show, let's go
Everybody's gonna move their feet
(Get down!) Everybody's gonna leave their seat
Independent_Baby5835@reddit
I have not thought of elder care myself, but my oldest (20 year old) told me that my middle one (16) has told her that “they” will need to retire me and give me an “allowance” when I get older and take care of me. He’s the one that asked if I had a retirement plan (I do) and told me he planned on giving helping me out financially when he grows up. My kids are super sweet, but I tell them to live their life and not to worry about me.
Monkeymom@reddit
My youngest son and his wife want me to live with them when I am old or widowed, so that’s my plan. They are child-free and actually like having me stay for long visits. Or so they say……
Finding_Way_@reddit (OP)
I think with some kids, they're natural caretaking makes them consider their parents. I'm with you, I don't want my kids to stop their lives, and I certainly want them to live it to the fullest while they can.
But mine grew up seeing us provide an elder care so at the very least I think that they are aware that someone MAY need to oversee things, even if it is simply overseeing getting us put into a nursing home! They also know, through watching and hearing family stories, that when everyone lives far from the elderly parents it can be a huge stress for the adult kids to try and visit, help out, check on, their elderly parents. Being aware I think is good. But I agree that changing plans as a young adult in anticipation I would not want
AgePrep@reddit
My plan is to off myself, too, but I follow and pay more and more attention to efforts like Death with Dignity .org I also and hope we can all start talking more openly and conveying this stuff to our reps and have some kind of assistance (or just...permission? non-punishment?) with determining this for ourselves when the time comes.
And voting, natch.
Monkeymom@reddit
We worked with Death With Dignity in Oregon when mother’s bone cancer was terminal in 2011. Wonderful organization and they my mother in law the control over her death that she wanted.
iwritesinsnotcomedy@reddit
My plan is to “age in space.” It’s a concept that if you get to the place where you need nursing level care and are not able to stay at home, rather than live in a sterile, hospital environment your loved ones turn your nursing home room into a replica of one of your favorite places with other memories you might enjoy.
For example, my favorite place was a local coffee shop that was basically the background of my life from high school through college. I’d like my nursing home room to be transformed into that coffee shop with tapestries on the wall and hanging beads for a door and spend my last days with the scents of hazelnut coffee mixed with Nag Champa while the following is played in cycles: the County Crows and live acoustic 90s music; reruns of 90210 and Saturday Night Live; audio books and comedy specials of my favorite authors/comedians; and the occasional scripture reading for good measure.
GAMGAlways@reddit
I literally thought "age in space" meant they'd just tie you to a rocket and launch you into the galaxy.
pdx_mom@reddit
there are plenty of options between "staying in your home" and "sterile hospital environment"
Verbull710@reddit
Meat diet, resistance training 3-4x week, sprint work 1x week
ecdc05@reddit
You know the world is going great for us when most of the replies are like, “My plan is to off myself.” Anyway, my plan is to off myself.
Once I can’t take care of myself or I start costing my family money, that’s that. I’ve seen enough to know that, as much as they might miss me, they will be better off without me in the long run, both financially and emotionally. My only hope is that time won’t come for many more years, but I also know that I may not have much of a say in that.
Any_Ad_3885@reddit
This is it
AJKaleVeg@reddit
I’m choosing a certain age and plan on checking out that year, leaving a nice organized plan for my nieces. Dementia runs strong in the women in my family; grandma, aunties, my mom and now my older sisters. I am 51 and absolutely, positively, do NOT want to make it to 75. No no no nope.
PurpleLee@reddit
So true. I'm facing the same future, and I don't want to deal with it.
AJKaleVeg@reddit
My mom wouldn’t have wanted to live like this. She is a shell of herself. Dementia has taken over and I don’t know this woman.
I remember when this happened to Grandma she was in her 70s and my mother was in her 40s. Oh, and we are a strong, long-living family. Mom is 84 now and her brother is in his 90s, he is still sharp as a tack. Their parents lived to their 90s.
oldschool_potato@reddit
Happening to my mother rn. She's 88 and I've never encountered it before. She will tell me a story, I'll respond and then she'll smile and tell me the exact same story. It's awful. It's truly terrifying listening to her having full on conversations with herself in the next room.
AJKaleVeg@reddit
Those were the good old days. I hope that you don’t have to witness end stage dementia.
oldschool_potato@reddit
I'm so sorry you had to go through that. I know she does not have it bad and it's really sad. She doesn't want to leave her house and I had to tell her she didn't have a choice and I had to take her car keys.
AJKaleVeg@reddit
Thanks for your compassion! I am sorry for the position you are in with your loved one. Those sad moments early on when your heart is just breaking over and over. LO wants to be independent. We want to keep LO safe. You explain [whatever decision ] to them, but they cant understand. Then repeating the same conversation with them, over and over. With siblings, we all had differing opinions but we kept it civil and made the hard decisions together, on Zoom. I am deeply grateful for that. Good luck to you on your journey.
My moms decline has been swift so pretty much we went through all the phases quickly in the past 4 years.
melston9380@reddit
I reassess as I go along, but I know that there will be a time when I still get to make my own choice. I'll bow out before someone else is in charge of my choices.
MyNameIsMudhoney@reddit
I'm 50 next year and dont wanna last til 60.
LeighofMar@reddit
I'm Golden Girling it. I already have my home paid for at 46 so I have years to save for care and can have my BFF and my mom come here if they needed to which is possible. Having help cooking and cleaning but also having our own spaces will be a Godsend. I anticipate Mario nights, LMN movie nights, and music nights where we try to sing a capella in harmony.
deedeejayzee@reddit
I am in a house with my friends also, there are 6 of us total,on the three different floors. Only one isn't retired, we are a mix of Boomers and GenX. We have a pool and host Ladies Day At the Pool weekly, all summer. We garden together, we are having a celebration of life here on the property next week, for an old friend. We are on 30+ acres in farm country and live among the Amish, lol. We have a pavilion and stage in the back property and host fundraisers. We go to wineries, aviaries, pumpkin patches, blueberry picking, we craft. We host cookouts and pool parties. I can't believe this is my life. I became disabled at 27yo, so didn't have a chance to make plans. My medical comdition has kept me poor. It is my friends' house and I wake up every day so grateful
Magerimoje@reddit
OMG I want to move in with you!
That sounds amazing.
I also became disabled at a young age, and I've been on SSDI for decades at this point.
I'm married, with kids, but once all the kids are adults I'm hoping they'll want to continue to live here OR if they don't, I want to get roommates and be the Rainbow Girls (like the golden girls, but more colorful🌈)
Your set up sounds absolutely amazing though. Y'all could probably make a fortune renting out some tiny houses on the property.
Any_Ad_3885@reddit
Hi! I want to be a rainbow girl with you!!
deedeejayzee@reddit
We have talked about setting up a couple for a few more friends, the cost to install sewer and another well is prohibitive, though. Elec tric wouldn't be a problem, we a natural oil well/ pump on property so we use that more than electric. Researching those made us decide we want a greenhouse instead. We don't want too many people, though. one of the great things about our area, is that the code is: like a good neighbor, stay over there, lol.
Top_Method8933@reddit
This sounds amazing!
Esqornot@reddit
This is AMAZING!!!
Conscious_Life_8032@reddit
I love this and am hoping to do something similar
But like the other posters don’t desire to live long if my health fails. I don’t have kids so have saved diligently as will be hiring some help
potato_for_cooking@reddit
By "nights* you mean like 3-6pm, right?
LeighofMar@reddit
Hey, I'm still a rock star and can make it til 8.
potato_for_cooking@reddit
Im impressed!! 8 is basically midnight.
LeighofMar@reddit
😂😂
Honest-Suggestion-45@reddit
Sounds awesome 👍
beepbooponyournose@reddit
Can I come too? That sounds so nice 😊
Any_Ad_3885@reddit
Die
ApatheistHeretic@reddit
I suppose there's always the 'sit in a running car in the garage' exit strategy.
GAMGAlways@reddit
Someone told me that's actually the best way to go. Apparently you just drift off to sleep which is why there's so many accidental deaths from it. Load up on your favorite scotch and crank up your favorite music on the car radio.
stephorama@reddit
We are one fucked up generation. This sub has helped me understand myself so much better. So many of us were left to live much of our lives without very important guidance, teaching, or support.
The last time I saw my beloved great grandma was in a stinky nursing home in Checotah, Oklahoma. I was maybe 11 and bumped the dish holding her dentures. The stench of the old, rancid water is still with me.
Later, her daughter, my grandma, languished in the same place with Alzheimer’s, forced to stay alive with a feeding tube. I couldn’t go see her like that and am so thankful for the last memories of her being full of life.
Japanese suicide forest and a lethal dose of heroin are my plan.
GAMGAlways@reddit
What is a suicide forest?
Wenger2112@reddit
A nice little heroin habit for a few months. Then disappear into the woods with enough fentanyl to stop my heart from beating.
From there, let the animals go at me. Lord knows I have eaten a lot of them. This me to return the favor.
Edit: no wife, kids or parents to worry about me.
GAMGAlways@reddit
I'm vegan and I approve this message!
Affectionate-Leg-260@reddit
I didn’t plan on living this long, you expect me to have a plan for later?
WeatherIcy6509@reddit
I'll be dying at work from old age, or from a cheeseburger induced heart attack after work, lol.
Kaleid_Stone@reddit
I’m going to the mountains to harvest berries. I’ll follow the berry trail, gorging on them, until I find a nice, soft hole under a tree in a hollow somewhere where no one will find me before the ravens have picked my bones clean.
love_that_fishing@reddit
I’ve saved for retirement and ltc expenses. My paid off house also acts as a buffer. I have a rare disease so I won’t qualify for ltc but we still should be ok with self pay. I also have 4 kids that would help but I don’t want to be a big burden to them.
wonderful_lock_130@reddit
I have the free elder care plan: Prayer
"God, please take me home immediately. I'm ready to gooooo!"
Humbled_Humanz@reddit
My mom always said that if she started down the road of dementia that she’d want to go out by herself own hand, and now she has it and it’s too late. It certainly has me thinking about how I need to be prepared to execute my own plan.
Echterspieler@reddit
My plan is to stay active healthy and fit so I won't need elder care.
medusa_crowley@reddit
I’m in a right to die state. Barring that, a shotgun.
LewSchiller@reddit
The problem with "I'm gonna end it myself" is when. At any moment you could have a stroke and find yourself unable to function in a bed in a Medicare funded hell hole facility.
Cael_NaMaor@reddit
Dead at 80.
AdSpiritual2594@reddit
I hope to be long gone before I become a burden to anyone. I don’t have any kids, with how long I’ve had low wage jobs and the hits my 401ks have taken, I don’t see myself ever retiring, so I’ll probably do the best I can for as long as I can.
RedRangerRedemption@reddit
Eldest of millennials here and my plan is to either wander into the woods and disappear or swallow a bullet. Unless my heart gives out first. Then just let the state take my body and dispose of me. I never mattered to anyone anyway why waste the space on my corpse
trinaryouroboros@reddit
45M, I'm aiming for a cool $7million by retirement through investments, it's like winning the lotto, just different. Hey, I have hopes.
Low-Regret5048@reddit
We are on the waiting list for 2 continuing care communities- and hopefully will get in before we need help.
Queen_Aurelia@reddit
I am saving all my money in case I need to go into care when I am older. My dad’s care home is $9000 a month.
Finding_Way_@reddit (OP)
Other option is to spend every cent and get Medicaid.
Gotta be rich or poor, apparently.
Strong-Piccolo-5546@reddit
i saw on other parts of reddit its hard to get insurers to pay out on long term care plans.
Finding_Way_@reddit (OP)
They are apparently not what they used to be.
Tim-no@reddit
I’ll work until I die.
Neither-Price-1963@reddit
My husband and I don't have any family or really much savings. We'll stay in our house until we die, taking care of ourselves the best we can. There won't be any long term care. To be honest, it's not only that we can't afford it but I don't want to sell everything we've earned in this life so we can afford to live in a geriatric dormitory, being cared for by sterile strangers.
pdx_mom@reddit
have you not looked into anything? There are so many options now...some of them seem like college!
Neither-Price-1963@reddit
Nothing we can afford. I'm very familiar with CCRCs and similar communities. My father and grandparents did that, but they were wealthy. My dad ended up leaving his senior complex, buying a house online and moving out of state. He's 84. He hated being around "old people" and anyone who tried to help him. I'd definitely prefer to age in place. I'm more concerned now with preparing to do that. Maybe moving in to a ranch house in a walking community.
pdx_mom@reddit
Yeah I am not into the idea of living in over 55 communities. So many people I know are doing it.
Someone I know was complaining about a place that is $4k a month. I was like wow! My mortgage is $2800 doesn't include ins and taxes so that would be almost $4k just for that...and those places give you a place to be no worries about caring for it (like mowing the lawn) and food included most of the time and parking and activities and exercise areas and etc etc.
Sounded like a bargain. Until I have to have way more care I like living in a neighborhood with a mix of ages tho.
Neither-Price-1963@reddit
She's paying $4K a month but what was her buy in? The average $3500 per month has a buy in of about $300K, and is she guaranteed no increase for healthcare? It's outrageous. I would never pay that. I can do a lot more with my modest means.
Raisedbypsycopaths@reddit
I have the same opinion. When I can't live in my own apartment I'll try to exit this world.
Svelted@reddit
I plan to try heroin for the first and last time if i hit 80
MyNameIsMudhoney@reddit
interesting how many of us here have the same plan
Svelted@reddit
I didn't even realize that until you sent this. other than the guy in the gorilla suit who was going to challenge a silverback, I think it's the best plan
My0wnThoughts@reddit
Fentanyl seems like the way to take a forever nap. I hope I never get old and die before I'm 90.
HairRaid@reddit
When it comes to that point, I hope I can get down to the street corner on my Jazzy scooter and figure out what to ask for without getting busted!
CharmingDagger@reddit
I've never tried heroin, but when it's time for assisted living, I'm going to find a beautiful spot and shoot up enough to float away into oblivion. I can leave my kids some money rather than spend what's left on elder care, just to shit my pants and watch TV all day until death.
MyNameIsMudhoney@reddit
how easy will it be for us to access the H tho? Genuine question! Never tried it!
CharmingDagger@reddit
When the time comes, hopefully I can figure it out. Lol
MyNameIsMudhoney@reddit
I mean I'm 49, pretty savvy, live in a major city. But with a healthy mind and able body, I have no idea how I'd score that haha. But yeah I guess I'll figure it out then
Whatdoing1967@reddit
I've got a volcano picked out, instant cremation.
raleel@reddit
It's a lot more solid than it looks. You essentially float. It won't be quite instant for sure.
MyNameIsMudhoney@reddit
am a fan of these earnest replies (it helps cross off 'volcano' on my list). Also makes me think of Joe Vs the Volcano :)
Impossible1999@reddit
If you can get to a volcano, you wouldn’t need the care plan. The problem is what if you have a stroke and you become immobile or break a leg etc.
pdx_mom@reddit
not that difficult. Mount Hood is technically an active volcano and you can jump right in. They don't recommend it and you don't want to tell anyone, but there are always stories of people doing that...
pdx_mom@reddit
not necessarily because they were trying to....
Aggravating-HoldUp87@reddit
My mid 80s grandparents are currently in a quandary. I literally started looking into a long term care policy today because of the issues they are facing. I will more than likely need care and do not have children.
aligatorsNmaligators@reddit
The Cobain express
MyNameIsMudhoney@reddit
i'll take the horse, not the gun
FlaviusPacket@reddit
I have permanent residency in the EU. Imma be their problem most likely.
oswhid@reddit
Stockpiling pain pills until it’s time.
Walshlandic@reddit
My plan is to work until I’m in my 70s and see if I can retire then. I’m a teacher and I started my career at age 39, so I’m a couple decades behind where I “should” be financially. I chose to be a stay at home mom for ten years and this a consequence of that. I try to take good care of myself because if I have to work until I’m eleventy million years old I need to be in good enough shape to be able to do that.
wardenferry419@reddit
To die around 60 while still being mostly functional. I am 48.
ApplianceHealer@reddit
The GOP health plan, as described by Rep Alan Grayson: “Die Quickly!” Can barely afford to live now.
bishpa@reddit
I don’t think they even sell long-term care insurance anymore, honestly.
ApplianceHealer@reddit
I’m sure you can still buy it…just don’t expect it to cover anything meaningful.
Source: had a relatively minor surgery with a 6 week recovery. The plan covered the procedures, but the at-home recovery presumed “no Medicare? your wife and 13YO will just take care of you”. I couldn’t walk properly, but had to “walk” my dog while wife and kid were in school.
tdub58@reddit
They do. There are several companies that offer stand alone policies but most are now hybrid that are tied to a whole life policy. I til a month ago I worked for an insurance company that had sold stand alone but currently has a few options for hybrid policies. I have a really good stand alone that I bought almost 20 years ago that includes at home care.
BadFez@reddit
I have a little stash of some things that will make for a very comfortable end of life. When the time comes I plan to use them.
Scammy100@reddit
I plan to get cancer and die quickly like my parents.
Peeettttaaaa@reddit
I’m going to sell up everything and move from the country to the Hyatt. I think I can live there for a few years and order room service once a day. When we feel like it I’ll wear my mother’s diamonds and meander about the cbd and participate in life and cultures. I’m partial to the idea of starting to smoke opium and swaning around in a Kaftan until I decide it’s time to ‘go’ I’ll leave a good tip for the person who finds me. This is my serious plan, I’ve been an RN for years, I’ve worked with a lot of older isolated in the country and hate the the nursing home industry. I’ve thought about this plan for ages now and it always puts a smile on my face.
gotchafaint@reddit
Some people live out their final years on cruise ships because it’s more affordable than homes
Peeettttaaaa@reddit
Yup it’s a great idea, I’d hate to be on a cruise ship it would like being stuck in a hellish food court
gotchafaint@reddit
I’ve never been on a cruise and now I think I never will lol
ApplianceHealer@reddit
My ex-nMIL thought cruises were great. Tells me all I need to know…hard fucking pass.
-DethLok-@reddit
Jeepers this is a depressing read :(
I gather that most of the sad replies are from USA redditors, judging by their lack of welfare nets?
My plan is to move into an assisted living retirement village - ideally the same one as surviving friends will be in - and to let paid aged care professionals look after me, as I'll easily be able to afford it given my lifetime govt pension.
Obviously I'm not in the USA and do live in a welfare state, Australia.
Best wishes fellow Gen Xers, I hope your eventual ends are a lot nicer than you are expecting.
romulusnr@reddit
Oh, if I could get the fuck out if this country, I would. If course that gets less and less likely as I get older
Pigeonofthesea8@reddit
Australia is amazing that way. I’m in a group for caregivers of people with FTD. With FTD, a lot of people have a motor compulsion that makes them want to walk for hours. This is a nightmare for me to accommodate. Someone from your country said her husband got five hours a day of help with walking! My jaw is still on the floor
-DethLok-@reddit
Downunder isn't perfect by a long way and it is, sadly, getting worse, but it's still a pretty good place to live, it seems.
Good luck!
romulusnr@reddit
Van down by the river
WillaLane@reddit
My friend and her brother split the cost of their moms 12k a month nursing home, she had Alzheimer’s and my friend visited daily and mom had zero clue who she was, she lasted a little over 11 years, they spent 800k each on her nursing home and that didn’t include her ensure shakes and Depends.
I don’t have anyone to pay for that, I will hang on until I can’t anymore
Finding_Way_@reddit (OP)
Wow. Thank God they were able to afford it! We had our parents with us. After one passed on, the other also with us until they got dementia. Spent everything down and then were able to finally get some help for their care. The cost is astronomical.
WillaLane@reddit
I know, I can’t imagine. Both of my parents died suddenly so there weren’t any long term plans needed
Itsallgood2be@reddit
My elder care plan is Weight lifting, long walks, eating clean, living in community, enjoyable hobbies, brain games, knowing how to ask for help.
And if necessary, Death with dignity in Switzerland. If I’m ever in the position where I have a terminal illness or the beginnings of dementia, I’m gonna throw myself a going away party with whoever is still alive and then take myself to Switzerland.
Caring for my parents - dad with vascular dementia and mom with Alzheimer’s is a nightmare. My grandfather lived with Alzheimer’s for 8 years. FIL passed from late stage Parkinson’s. I refuse to live any version of that story. After visiting memory care wards, knowing what it all costs and seeing the devastating effects on whole family systems. I just won’t do it, to myself or anyone else.
NeuroPlastick@reddit
I plan to keep taking my hormone replacement for the rest of my life. That will significantly lower my risk of osteoporosis, heart disease, incontinence. UTIs, and dementia. I will continue to walk frequently and lift weights. That's the most insurance I can afford.
davidwb45133@reddit
Honestly, after witnessing how my parents and FIL were treated in their ‘highly regarded’ homes with good inspection ratings my plan is assisted suicide.
BluebirdSTC@reddit
I just lost both parents this year, two months apart. Both were hospitalized for over two months, and ended up in hospice for a few days before passing. Mom was just shy of 80, and Dad was a few years younger. After seeing what they went through for months, including intubation and several trips back and forth from rehab to ER to ICU and back, I'm thinking of changing my Advanced Directive to be a bit more strict that it already was. The toll on my sister and me over the six months of non-stop hospital visits has been huge.
Add to that, I have a husband with advanced cognitive decline due to an aneurysm who needs 24/7 supervision (thank FSM that I can work from home). Dementia runs in his family. If he ends up in a nursing home, I can pretty much kiss my own retirement and long term care goodbye. I'm 55, and we don't have kids to depend on. It sucks that I've saved and worked my ass off for almost 40 years so we could take care of ourselves in our old age, and I don't even know if I'll have anything left when I'm 70.
I thought about long term care insurance a few years ago, but honestly I don't trust the insurance companies to pay out what they promise by the time I'll need it. The coverage has gotten a lot more expensive for a lot less benefits.
Finding_Way_@reddit (OP)
I'm so sorry for what you went through with your parents. Sounds like you are a very sweet and dedicated spouse and adult child.
MNPS1603@reddit
My mom is 73 and in memory care. She has enough $ to pay for it as long as she needs. Dad is dead. But the whole process with her had me come up with a loose plan for myself - I’ll have enough to retire on in about 15 year, and I have a paid off house. So my thought is my house gets sold and rolled into retirement funds, and that would be enough to cover me. My main issue is I don’t have kids, so who will actually handle my business for me - that I don’t know. I may set it up in some way that my niece or nephew get paid a monthly stipend for managing my affairs, then they can inherit the rest. Not sure exactly on that part yet.
KerraBerra@reddit
Where in the world can I get long term care insurance that covers assisted living for decades?
My parents bought policies a long time ago and paid plenty every year for it. When my mom was diagnosed with Alzheimers and moved to a nursing home, I found out how much the policy was worth and how long those dolars will cover her.
At most, five years
Extreme-General1323@reddit
Yeah...I think LTC is overrated in most cases.
Chai-Tea-Rex-2525@reddit
Mine has a daily limit that covers 5 years of care. If I can find care that’s cheaper, it will last longer.
pdx_mom@reddit
someone I know got a 'couple's policy' where they each were going to have like 3 years of assisted living -- one of the couple was going to go to some sort of hospice, and passed the night before he was supposed to go. So the spouse gets to use that policy also and can have up to 6 years of the care...they bought it like 30 years ago maybe? It was (is?) a bunch of money but as mentioned, it doesn't exist anymore.
The ins. companies are paying on the policies they sold but they know they did a very lousy job of pricing them, they aren't really selling them anymore.
It's a MUCH better idea to buy an annuity at like 50 that will pay out in like 30 years (or 20 years?) -- or something like that.
Honest-Suggestion-45@reddit
I think the idea is to buy long-term care insurance when you're young. I think it's cheaper then? But it's still expensive to have to pay every year.
pdx_mom@reddit
And if you have that much time stick 10k in an s and p fund and let it fly.
CapotevsSwans@reddit
Fidelity manages a hybrid long care insurance plan. You have to be healthy when you buy it. I haven’t yet, but I’m seriously considering it.
Finding_Way_@reddit (OP)
My friend said the policy her dad has is no longer available, for obvious reasons. I'm sure the company never expected to pay out as much as they have paid out.
Magerimoje@reddit
My grandmother had a policy like that.
She had in-home nursing care, 24/7, from age 80 until she passed away at 103. That insurance company lost so much money on her.
cookiepeddler@reddit
I help an elderly woman 4 days a week and am paid through her long term care insurance. She said the month after she and her husband paid it off, he fell ill and needed a lot of medical care so they dipped into it immediately. She’s 91 and has been using it for years. The insurance company has also lost money on them and I’m so so happy for her. I’m sure this is why they don’t offer these kinds of plans anymore but it’s nice to see insurance do what it’s supposed to do, pay out and benefit the client.
But on the question at hand, my mom jokes that she’s just going to step in front of a bus. Sometimes I think she might be onto something.
Pigeonofthesea8@reddit
Wow
Extreme-General1323@reddit
My in-laws have LTC and they have to fight to get anything from them. I think these insurance companies just think they can take advantage of the elderly as well as just try to literally outlast them in disputes.
Beth_Pleasant@reddit
We don't have kids (and even if we did, I wouldn't expect them to take care of us), so we have long term care insurance. And lots of savings.
Finding_Way_@reddit (OP)
Just out of curiosity, as I have siblings who do not have kids, who would be your health care power of attorney and oversee where you go and utilization of your long-term care insurance if you and your spouse are not able to do so for yourselves or one another?
Beth_Pleasant@reddit
That's a fantastic question we haven't gotten to yet. Most likely a sibling, and if either of them are not available, probably an attorney or a paid POA where we have outlined everything and they just execute our wishes.
cholerasustex@reddit
We are trying to build a multigenerational home.
I bought a decent sized house in a lake side community, and my mother-in-law and adult son have moved in.
My mother in law could never afford to retire and we could not let her work herself to death.
Once my son set aside society's expectations of him achieving the American dream and understood that this IS his house. He became relaxed again.
He is motivated and works hard but he does not have that hustle/panic that you get in your twenties
Bullshit expectations that school and society put on our kids GRRRR!!
Not going to lie, it's a tough adjustment for us all
Financially everything is fine for the future.
I plan to stay where I am at as long as I can
I am saving a percentage of my income for the “next phase” when my kids can not help us anymore.
We are toying with the ideas of
get a divorce. My father's dementia took everything from my mother. Marriage does no benefit for us financially.
get our assets out of our names. Incorporate the big assets
Finding_Way_@reddit (OP)
It's a huge huge fan of multi-generational living? I think it's awesome that you've welcomed your son back home.
pdx_mom@reddit
without the expectations tho, sometimes they don't do anything.
cholerasustex@reddit
Expectations of our care from our kids?
Yea, I worry about that.
My mantra is "I thrive on self-reliance" When I was 26 I discharged from the Navy, had a degree and two kids (third on its way) and was selling my second home and moving to Seattle for the tech boom.
All of my kids have accomplished much less professionally. BUT!!! some how I built some amazing emotionally aware kids. I watch in awe my son interact with my grandson. It makes me cry knowing I inflicted my bullshit "man up"... (we do the best we the information we have at the time)
So yea, I heavy describe what I think a multigenerational home home is. I am the major income so i control everything and would not just hand shit over.
At some point I have to say that I have raise good kids that will follow my example and help take care of me.
pdx_mom@reddit
Trying to figure out the balance here.
I was wanting to leave home by 10 knowing full well I couldn't. But I wanted to (sister went to college when I was 11 ). My kids are happy here and don't seem to have the motivation I had.
Was it because we have a loving home where they feel safe? Isn't that a good thing? I see them doing ok and we are letting them take more time to get their wings under them...is that better? Is that teaching them the resilience they need?
Don't know ...doing the best we can.
ZetaWMo4@reddit
We have funds set aside for home aids and such to come to us when it gets to that point. We don’t want our children to feel any sense of obligation financially or otherwise for us in our old age.
Finding_Way_@reddit (OP)
I think it's great that you're sitting side funds for your own care. In my experience, even if the money is in place ( which is a huge stress reliever!) someone may need to oversee it and oversee the caretakers... If you or your partner reach a point where neither of you can do it for one another or yourselves. But if you got the money in place? Sounds like you would just need your kids to know what you would want to happen if due to dementia you all could not make decisions for yourselves
My parents lived with us, and then the one with dementia eventually in a nursing home. My cousin's mother asked them that she stay in her home until she died. They hired caretakers and the last year one child moved back home until she passed. They were very glad that she told them what she wanted and that they were able to give it to her... To stay in her home until the end).
kagiles@reddit
Spouse is nearing retirement so we discuss. When that does happen, our finances will change and we’ll need to give up some things. Our plan is to live near our kid(s) depending on where they are. If they have a family, we want to be involved.
Beyond that, if the shit hits the fan, my mom set me up with a lifetime membership to Moosehaven. As long as we go in while we can care for ourselves, they will care for us the rest of our lives. You give up all assets and income to do it, but you don’t have to worry about housing, medical expenses or care.
Finding_Way_@reddit (OP)
I would take that deal in a heartbeat. And I think those options are almost unheard of now or extremely costly.
mumblewrapper@reddit
We plan to buy long term care insurance in the next few years. My mom is currently in a skilled nursing facility after a broken hip. She has money and family support but it still isn't reasonable to bring her home and pay for care there. We visit daily and pay someone to be there 5 days a week for a few hours. But, she still hates it. We plan to buy insurance that will pay for more care in the home to avoid the situation my mom is in. I'm sure my kids will help just as we are helping now, but id rather they don't have to do as much.
Finding_Way_@reddit (OP)
Based on my friends who have long-term care insurance I would look into it sooner rather than later. Both said that the policies are becoming more and more restrictive so might be something to look into now.
It's so much to think about and manage, especially when you're in the middle of managing your own parents!
Ff-9459@reddit
I still need to figure it out. I honestly don’t have any experience with it because none of our family members have needed long term care. My grandma is still alive at 98. My other grandparents died at home in their 70s or 80s of cancer. My in-laws also died at home. My MIL had to go into nursing homes short term a few times, but was able to come home after a few weeks.
Finding_Way_@reddit (OP)
That's a blessing. It may be in your jeans that you'll be able to care for and manage everything yourselves until the end. I hope that's the case for us.
Thatstealthygal@reddit
Pay off mortgage, avoid falls. That's about it.
oldschool_potato@reddit
Interesting timing, just got home last night from looking at assisted living facilities for my mother who is 88. It's an 650 sqft apartment, 3 meals a day, all utilities plus weekly bus trips to the supermarket, pharmacy and the mall. $4,500/mo. Then if she needs additional care that number jumps way up depending on the level of care. The lowest level is unskilled care for $45/hr. Like help you bathe or post op care going to the bathroom etc. memory care or nursing care is a huge jump up.
Luckily for me the men on both sides of my family almost never make it to 70. So I have that going for me.
Typical-Tea-8091@reddit
Have you seen those cyanide suicide pods? They look pretty cool.
pinkaline@reddit
I have no children or younger relatives to eventually help me, and not much money, so Im hoping of dying young to prevent being a dependent sick old person.
Otherwise, maybe plan a petty crime at 70-80 and get myself in jail where I’ll have 3 meals a day and free hospital care! Jk
Feeling-Ad-2490@reddit
Wear a gorilla suit, jump into the Lowland Gorilla enclosure at the zoo and challenge the Silverback.
Hoping that at a trillion to one odds, he doesn't die of a random heart attack at that very same point in time, then I'm awkwardly stuck having to care for the rest of the Gorillas and wear that suit for the rest of my life..
ApatheistHeretic@reddit
Did Jane Goodall just dox herself?
DJErikD@reddit
Dicks out for Harambe!
No-Hospital559@reddit
Trading Places
Time-8dg-4271@reddit
These comments are...curiously morbid. Gen X is something. We aren't afraid of really anything.
Boshie2000@reddit
Boshie2000@reddit
This is why I love our generation. I get upvoted over 100 and also got an award.
In every other subreddit they would’ve downvoted me for “triggering” their PTSD (That they don’t have) and contacted Reddit worrying about my safety (which they needn’t cause I could give AF… times a million).
Love all you cryptic, sarcastic MFers!
GenX rules!
Everyone else can suck it!
Boshie2000@reddit
I’m glad everyone celebrating my sincerely planned demise and even giving my reply an award.
Y’all cryptic.
therealbitboy@reddit
Sarco capsule. Google it.
violetauto@reddit
I’m starting a whole new health program, including lifting weights. I think the key is keeping up muscle mass, balance and your immune system. I’m hoping I only need care after say, age 85 or something.
mvscribe@reddit
Based on family history I am hoping for another 20, maybe 25 years of good health, and then I expect some decline but hope to be able to live independently for another 10ish years after that. Depending on how things go, I might want to live with one of my kids or in an apartment in a walkable neighborhood, maybe with a roommate/flatmate or two.
And at some point something will happen, or I'll turn a corner, and it will be time to go and I do not want to prolong that final decline. I'd like to say goodbye to people when I still know who the hell they are, and check out either by physician-assisted means or just stopping eating and drinking. I don't want to leave people having to find me washed up on a beach or in the woods... but it has a certain appeal. Definitely don't want to spend years in a nursing home being bullied into eating shitty food to prolong the dying process. Not sure how to deal with dementia if that comes to get me.
NotOughtism@reddit
I’m the youngest of 3 daughters and took care of my dad directly for years (showered him, changed his diapers, fed him) as he has dementia and Parkinson’s and my sisters couldn’t do it. He got to where he needed 24 hour nursing care it’s really expensive- he doesn’t qualify for Medicaid and so it eats up all his retirement and leaves him with 1-2k a month deficit which eats away at his savings.
I can tell you that leaving it up to others is a bad choice. It tears up the family. One of my sisters no longer speaks to me or my other sister. We are 50, 52 and 53 years old. But after many conversations of “what to do with dad’s care” my sis opted out.
Please make a plan and think it through including protecting your assets from being used up due to Medicaid requirements.
My dad will likely have nothing left after he passes. His “wait and see approach” cost his family dearly- it was a huge strain on me and my young kids.
Just my two cents.
GradStudent_Helper@reddit
Having a plan is so important. My wife is an only child and we have no kids. It is so hard to plan this kind of thing. We are currently ramping up to retirement... and have talked endlessly about having an "exit plan," but getting specific is really difficult. I have firearms but who wants to go so violently? We would love to have a stash of the right kind of drugs to do the trick, but what drugs? where to get? how to know if it will do the trick?
So many questions that we still need to answer. But - yes - the plan is key. Everyone needs to understand your plan for yourself.
rojo-perro@reddit
I can’t remember where I read it, but supposedly the key age to a buying long-term policy care is 60, and hopefully still healthy enough to qualify and wealthy enough to afford.
Blurghblagh@reddit
My plan is to not become old and frail. I'm staying young and healthy until the cool robot bodies become affordable.
Wise_Donkey_@reddit
Apparently I'm going to keep urban-dwelling in my vehicle indefinitely, until they find my corpse wherever I last parked.
s1l1c0n3@reddit
Death. I'm hoping death takes me before I have to think about it
Delicate_Glassware@reddit
I have no elder care plan or insurance. I have no children but I do have a pension that might cover those costs.
lonerstoners@reddit
Death.
Prestigious_Air4886@reddit
A bullet I guess.
soulasaurus@reddit
I think it's awful that so many are expecting their children to take care them. That could be one month or years & years of care for you by your child or children. If you are expecting that, did you do that--did you care for your parent(s) for months or years?
It would work for some families I am sure, but consider what potential burden you are choosing to inflict upon your child for an unknown amount of time.
And don't off yourself in some horrible way resulting in someone finding your body, and being traumatized by that experience.
Finding_Way_@reddit (OP)
I see your point, but I really think that this is, like many things family and culturally specific. My parents took care of my grandmother. She lived with us as she aged, and while she was physically struggling. Upon dementia they arranged for care in a home.
My parents moved with us as they aged, and it was an absolutely wonderful and fantastic generational living experience My children, their grandchildren, say to this day ( they are all Zoomers now) how awesome it was to grow up in a house with their grandparents around. As things became more limited for them? We took care of them. No regrets.
My kids saw the best of intergenerational living, and the huge demands and struggles of elder care. It happened with most of their cousins as well as generally children and even nieces and nephews help take care of the elderly in my family as long as they can.
So we, and I am OP, have never asked our kids if they would take care of us nor told them it was an expectation, but they are thinking it is what they would step in and do and I think that's largely because of what they've seen. I hope we can stay healthy as long as possible and keep our finances in a situation where they'll have options regarding what to do with us, if we can't make those decisions for ourselves.
It is also very hard to try and be helpful to your parents when they live across the country and your life is upended each time you need to get there. There's no easy answer with this.
Bottom line? I wouldn't judge how other families handle their care because you don't know their situations ( and that includes people who refuse to take care of their parents... Not my place to judge I don't know their deal)
Open-Illustra88er@reddit
Someone is going to find your body no matter where you die. You don’t just neatly jump into a body bag before you breathe your last breath
Subvet98@reddit
My grandparents took care of my great grandparents. My parents took care of my grandparents. We are currently taking care of my MIL.
oddball_ocelot@reddit
If it comes to that, I hope to die at home. Or out in the woods somewhere.
LakeCoffee@reddit
The house will be in a living trust so whichever person goes first won’t bankrupt the other. The trust helps with qualifying for Medicaid since the house can’t be counted as an asset (which is how the remaining family members can keep living in the house, otherwise it must be sold to pay the bill). I’ve told the family to go ahead and put me in one of those assisted living apartments when the time comes. Honestly, living in a small, easy to manage one bedroom apartment with someone to come in and clean it and getting dropped off at the mall when I want to shop sounds delightful.
GreyBoyTigger@reddit
The only definitive pal. I made was that I want to be cremated, put into a small rocket, and shot into space while Starman plays
Malapple@reddit
Just like my childhood. Dangerous, random, and with no supervision or caretakers.
IllTakeACupOfTea@reddit
My actual end of life care plan is the fact that I’m part of a family where we care for each other. All of the younger kids-and by that I mean people in their 20s and 30s!-have watched us as we’ve cared for the elderly people in our family. My own children have been told that my wallet will be very very open when it is time for me to move in with someone. I’ve joked with them that their kitchen remodeling plan can be to have grandma (me!) move in! Caring for someone in their final days can be treated as a burden or as part of your life cycle. I’m choosing the latter!
Backtothefuture1970@reddit
By then, hopefully, humane euthanasia is legal in our country and we have honest conversations about this.
If we can do this for animals that are suffering why not us ?
galtscrapper@reddit
One of my best friends asked me the other day if I'm comfortable with not knowing when I am going to die. Of course I am was my response. But I might just exert control over it. He's 31, highly spiritual, and go with the flow. I told him the way my generation grew up, we had a LOT of control over our lives as children and we don't always give up control easily, and there is a line between going with the flow and taking up an oar to paddle, and you've got to know when to do each of those things.
I DON'T have a plan. Lean on my kids is my plan, except I don't want to be a burden. I don't fear death, I've lived my entire life with suicide ideation, so the problem is more that I don't know that I COULD die at my own hand, I've fought that tooth and nail for 4 decades. Could I just give in to that finally? Also, I have always sort of known I would live to be 100, but I don't want it to be in cognitive decline. I've told my kids to pull the plug on me, don't let me suffer if I'm not all here. Let me go, I don't want my spirit trapped in my body.
I really don't know. I don't really have the money to plan anything at the moment.
Bright_Pomelo_8561@reddit
Long term care plan than is adjusted for inflation.
Fruitcrackers99@reddit
Prison, baby!
Shingouki10@reddit
I'll wander into bushland with a bottle of Jack and a revolver.
Open-Illustra88er@reddit
💯
EpiGal@reddit
Please, please read your policy and do not buy into John Hancock. I've vented here before, but long term care policies tend to be literally only end of life, can't feed yourself, only nursing home. So independent living-- some help, but if you're reasonably ok and can still go to the bathroom yourself-- IS NOT COVERED. 80 comes quicker than you think; you might not be end of life.
Open-Illustra88er@reddit
💯
Open-Illustra88er@reddit
I do not trust long term care insurance. Like any other insurance it can be hard to jump through the hoops to make them pay. I had an acquaintance who had to hire an elder law attorney to navigate how to make them pay when her father had a stroke during cancer treatment.
My plan is suicide. I have told my kids that when it comes down to me needing a diaper change it’s time for some party drugs in a beautiful scenery-back in the wilderness where animals can eat my corpse and no one needs to be burdened with my care.
I’ve changed my moms diaper. It was less enjoyable for her than for me and I wouldn’t wish that on anyone.
Hattkake@reddit
No plan. No savings. No kids. No nothing.
I don't expect old age to be anything different than life so far. I will live until I die and hopefully I will live long enough to grow old. It will be a a struggle like it always has been.
PoopPant73@reddit
I plan on dying at my desk.
Subvet98@reddit
I am pretty sure my wife expects me to work until I drop.
PoopPant73@reddit
I’m just playing but I hope I die in my sleep or something..
Emergency-Bathroom-6@reddit
I've told my kids to check me in to a Holiday Inn Express indefinitely. Free breakfast, linen changed and new friends every day.
rachaeltalcott@reddit
I've always been a saver, and I moved to France in my 40s, anticipating that some day I'm going to need medical care that even a good saver can't afford in the US. There are some interesting experiments going on now in France with more humane elder care, for example: https://villagealzheimer.landes.fr/en/. I am hoping by the time I need it, the idea will have spread within France.
BadAssBlanketKnitter@reddit
I plan to self terminate. After seeing my mother suffer with dementia and live in a home for 14 years, mentally and physically deteriorating, I know it’s my preferred path.
Sitcom_kid@reddit
I'm the oldest Gen X that I've ever heard of, and my elder care plan is to keep working until the end. I am grateful that I have a job that I hope I will always be well enough to keep doing. My profession did not have too many options to get health insurance for I guess the first half of my adulthood, and my health problems came early, at 24. But I'm grateful to have a job. Not everybody does.
VoodooSweet@reddit
I’m on the “work till I die” retirement plan, so ya…
EvolutionaryLens@reddit
Same. I'm gonna drop dead in a paddock while chasing cows.
shortbuslife@reddit
Early death is the plan. Problem solved.
Packermule@reddit
I just want to live in a small cabin in the middle of nowhere, and just let nature take its course.
CraigLake@reddit
This is my dad. But I think having no social contact for decades has aged him terribly.
Lunch-Apart@reddit
Sounds like the beginning of a good movie
swedgered@reddit
OD on a beach in Thailand:)😀
auntieup@reddit
Me, wheelchair, cliff.
Meeko9893@reddit
Same. Along the same lines as “hurling day” in the Dinosaurs TV show.
LuraBura70@reddit
Just to die but whatever it's 😎
Redfawnbamba@reddit
Haha ha ha ha haaaa…- as a survivor of sibling abuse, both parents passed on, toxic siblings left, zero hours contract, despite putting myself through teacher training and teaching for 26 years, with no kids or spouse of my own - gonna say it will probably be “just keep working, just keep working” 🐡🐠🐟
Soul_Muppet@reddit
I watched both of my parents slowly die from dementia. Used to think about quitting smoking, but why? I’d rather go early.
Pigeonofthesea8@reddit
Smoking is a great way to get dementia via cardiovascular disease
I’m planning my ninth attempt at quitting.
Honest-Suggestion-45@reddit
Yeah but smoking means suffering. Usually. My family has strong dementia also, so I don't drink anymore. Don't smoke anymore, try to eat healthy and exercise. Take a lot of vitamins and keep my mind active. Having a good social support system, friends etc. Is important to help Ward off dementia.
Effective_Device_185@reddit
I am fortunate to own a beach pad in Nayarit, Mexico. I will live in MX say 5 months out of the year and the remaining months in Vancouver. The Mexico home has three separate self contained rental suites so that is part of my retirement plan.
Good fortune all.
Postcard2923@reddit
I'm 54, single, no kids. I have an older sister, a niece, and a nephew. I'm not planning for much help from them. I was late to the game looking at long-term care insurance. It used to seem like a no-brainer, but from what I've read the costs have gone way up, and the benefits way down. It is too uncertain for my liking. So now my plan is to self insure. The biggest benefit I see to self insuring is that you can spend it in ways that make sense to you without any hassles from an insurance company. The average person 65 and over receives about three years of long term care. I actually retired a few years ago at 50, and reduced my expenses so I would have an extra $1200/month to invest. By the time I'm 65 that should be well over $300k. At that point I'll let it grow as I grow older. I may never need it, but if I do it will really help. If I never use it, my plan is to leave a little for my sister, niece, nephew, and a couple of my lifelong friends. The rest I want to go to help people who can't afford to attend community colleges and trade schools.
mltrout715@reddit
Dying
MrsSadieMorgan@reddit
No idea, honestly. I’m single with no children, but do have a nice chunk of savings (mid-6 figures) from inheritance + equity in my house + a vested state pension. I also have a sister, brother, and 4 nieces & nephews.
My sister is very financially stable and has a legal background, so she’s my beneficiary and POA for almost everything. I trust her 100% to do what needs to be done, as she did with both of our parents when they got cancer and Alzheimer’s. My brother and I were involved and consulted, but she took then reins until they died.
Good question, though. Hate to think of it already, but I will consult with a professional to make sure my ducks are in a row.
Puppiessssss@reddit
My Millennial girlfriend.
space_wiener@reddit
Work until no one will hire me because I’m too old then hopefully suicide pods will be legal and not too expensive.
ides_of_arch@reddit
Im screwed. I was dx with a condition that will almost certainly disable me and may even make me demented. I’m single. I have one kid but I don’t want to burden him. It’s too late for long term care insurance. I guess I’ll take up a dangerous hobby and hope I go out having fun
enriquedelcastillo@reddit
I was planning on living happily / healthily / independently until I’m like 93 and then dying in my sleep. Not sure where to sign up for that one.
jkblvins@reddit
I just started smoking again. With any luck, I won’t have yo deal with elderly anything.
jumpinoutofmyflesh@reddit
My children and I have an agreement. If I’ve become dependent on their care they are supposed to feed me a nice meal and push me down the stairs. Old people fall down the stairs all the time. No one will question them.
*this is mutually understood as a facetious comment but it does make it very clear to them that I’d rather go than have us all suffer.
king_platypus@reddit
When I can no longer care for myself I’ll be showing myself the proverbial door.
Honest-Suggestion-45@reddit
No kids, and family scattered everywhere. With this economy and 40-year High inflation, I'll be working for the rest of my life. I'll never be able to retire and be able to pay rent.
Justagirleatingcake@reddit
My grandmother died in nursing home with dementia at 94 years old. My grat grandmother died after breaking her hip at 107.
I genuinely hope I don't live that long. My elder care plan is honestly assisted suicide. It's legal here for terminal illnesses and there have been court challenges to qualify old age as a terminal illness. That's my plan.
Britpop_Shoegazer@reddit
Drink some antifreeze
Poultrygeist74@reddit
My plan: Don’t get old. The last thing I want is someone looking after me because I can’t even wipe my own ass.
nutmegtell@reddit
Long term care insurance.
snarffle-@reddit
Shotgun.
Sandi_T@reddit
The long walk off the shirt pier.
Sooner, not later. Before I lose the least marble, for sure.
hashpipe66@reddit
to die alone at the VA.
AshDenver@reddit
I’m “married” - technically in a common law state but never stopped filing taxes as Single. I’m 53, he’s 70. I will have 10-20 years solo, maybe.
Right now, in theory, there’s about $3M with the house.
Plan?
Roommates (younger folks renting rooms/portions) who can help with things when I need that (cleaning, cooking, shopping.)
Then sell the house and buy a small place for cash and hire-in reliable reputable care help.
Die.
Be cremated.
No_Zebra2692@reddit
First-class, one-way flight to Switzerland
jtphilbeck@reddit
Die. Give all of my shit to my mom.
thismessisaplace@reddit
Prison
Singing_Wolf@reddit
I'm hoping to live on a cruise ship. It's cheaper than an assisted living home, there's a doctor on board, cooks, cleaning staff, and beautiful scenery.
libbuge@reddit
My plan is playing on wet rocks during the King Tides at the Oregon Coast.
MyriVerse2@reddit
Rub some dirt on it.
Resident-Device-2814@reddit
Walk it off.
gotchafaint@reddit
Swiss suicide pod
StevieNickedMyself@reddit
No plan. Stay healthy and work until death. If I can't, then I will beg one of my brothers to let me live with them.
SirHoneybear@reddit
I'm fucking invincible!
ROTORTheLibrarianToo@reddit
The Astronaut Pill.
Nakatomiplaza27@reddit
I will be setting something up soon we are dealing with my dad that recently had a stroke. He has a medical power of attorney stipulation about mental health care and it makes things impossible... no old folks home clause basically. So it's either take care of him in his home or watch him die from not taking meds or eating or jumping in his car/starting his house on fire/etc. Do your kids a favor and let them get you the help you need.
pdx_mom@reddit
my step dad just stopped taking his meds. Police found him on the side of the road had a heart attack while he was driving.
EnergyCreature@reddit
My grandparents lasted into their late 80's without home care. Our family visited often for get togethers. That's our plan for now, we have pensions on lock so we are good either way.
My wife (F47), GF (F40) and I are working out a lot to stay as fit as possible and we have a unique dynamic of 3 sources of income so I think we will be OK but if push comes to shove we have talked about it. We won't want our kids to be on concerned about it but we will reach out if need be.
pdx_mom@reddit
my dad just passed at 89, spent about 4 months in an assisted living place. otherwise basically lived alone.
My grandmother was 85 or so when she moved to FL to be with my aunt, went to assisted living about 95 maybe? lived to 100.
Planning for the next stage is...not fun.
SeethingHeathen@reddit
I told my daughter that when my cheese eventually slides off its cracker, to go ahead and just take me out.
I think she might actually do it.
Alternative-Dig-2066@reddit
Death
DJErikD@reddit
Bottle of compressed nitrogen and a plastic bag.
TheTrollys@reddit
Work until death
illuzion25@reddit
Lol. Elder care plan for myself? None and none.
Presently mostly taking care of my mom. I'm not looking forward to when she dies, it's going to suck.
For me? Keep a few hundred extra dollars laying around in cash and when everybody I care about is gone, go and buy as much drugs as I can and a handle of vodka, eat all the drugs, drink all the vodka and make sure I fall asleep on my back. That's my plan.
Impossible1999@reddit
I don’t have one but certainly don’t want to be like Jimmy Carter. Unless the scientists can really come up with reverse aging drugs, the minute I find myself losing my marbles or independence, I’ll be looking for a 💊.
Bitter_Kiwi_9352@reddit
Elder care plan? Get 2 million in assets and retire is the “plan”. I work in health care insurance which puts you in a morbid position of knowing pretty well when you’re likely to die based on actuary tables.
Complete-Thought-375@reddit
I am 46 and my boyfriend is 51. Once my mom passes (I am her primary care giver) we are seriously debating moving in with another couple (in their late 50s early 60s) because we can all be there for each other. It might be a couple of years yet before we get there. But that is the current plan.
geetarboy33@reddit
Both my parents died at 70, so I’m not counting on being around after that.
Chai-Tea-Rex-2525@reddit
I have long-term care insurance. My kids told me they are dropping me off at a nursing home and telling the staff, “No give-backs.”
My extended family tend to be long-lived but my parents died young. So no idea what to expect.
TheQuadBlazer@reddit
OkCharge9080@reddit
Die before I’m homeless
DrGoManGo@reddit
No plans, just waiting.
OnlyChud@reddit
Death by Cop
way cheaper .....
AJKaleVeg@reddit
Unless they shoot your leg and you get arrested and have to spend 11 years in a Texas prison.
Echo15charlie@reddit
In the words of Homer Simpson, “My lifestyle is my retirement plan.”
Jeebusmanwhore@reddit
The V.A. has my back. But if I want a nursing home when I get to my 70s, I better put in for it now.
DoubleExposure@reddit
It is a matter of honor.
Jodies-9-inch-leg@reddit
Go parachuting without a chute
MaximumJones@reddit