U.S. Gen X parents: do you expect your children to financially support you / move you into their home / take you to doctor appointments, etc when you're in your 80s?
Posted by GushStasis@reddit | GenX | View on Reddit | 1025 comments
because as I watch my mom carry a credit card balance from month to month in her 60s I'm scared it will fall on me to support her. and I don't believe the child owes back pay for having been raised by the parent, even though she was a wonderful mother
2BrainLesions@reddit
I'm confused.
Why don't you help your mom with credit card debt now?
Scarlett-the-01-TJ@reddit
Because mom will probably run it up again.
2BrainLesions@reddit
Why don't you help your mom with credit card debt now? Ouch. Sorry, OP :/
StateVast7191@reddit
Why is it the child’s responsibility to pay off parent’s debt?
Caribgirl2@reddit
I agree with that except for the fact that the parent may add more debt on to that. It could be a never ending hole in the bucket.
No_Luck_374@reddit
I don't know the answer but credit card debt dies with the human who took out the line of credit and don't let anyone tell you different.
Remarkable-Gap9524@reddit
But they can put a lien against property.
No_Luck_374@reddit
If my mother dies with a hundred and forty thousand dollars in credit card debt, and I own no property or do own property, a lean cannot be put against my property for my mother's debt
Remarkable-Gap9524@reddit
Her property if she owns any. Then it needs to be settled to be sold.
No_Luck_374@reddit
Yes. That is why my comment was correct.
Clueless5001@reddit
Curious how many Gen X (or older) people are providing free childcare or after school care for their grandchildren one or more days a week?
Significant-Dance-43@reddit
I hope to be dead at 81, so definitely not. Extremely risky behaviors are already planned if I reach 80. Things like: - Skydiving - BASE jumping - Heavy alcohol binges - Traversing unsafe terrains and/or neighborhoods - Take a race car driving class - Promiscuity for those into wrinkly bodies and the necessity for heavy drugs to get the ole fella goin’
And so on…
Clueless5001@reddit
My grandmother smoked and quit at 78 because she had a heart attack that almost killed her. She always said she would go back go to smoking at 85 because by then she would have lived long enough. When she got to 85 she was still traveling. She never went back to smoking and lived to 98. She could follow world events and have an interesting conversation until two weeks before she died. She went to a three day family event out of town at 97 and enjoyed it all
She drank and danced well past midnight at her 90th birthday party
curious4peace@reddit
Our running (sorta) joke is that if I get diagnosed with MCI (mild cognitive impairment) I plan to take up skiing. I told my husband to tell me I can ski the black diamond slopes and the day I believe him to kiss me goodbye and send me on my way up the lift.
Extra_Shirt5843@reddit
Why, though? I know plenty of people that are 80+ and enjoying the hell out of their lives. I plan to!
Significant-Dance-43@reddit
Cause I want to.
lumberjackname@reddit
Me too. Don’t want to get decrepit. I’ll take up smoking and heroin to hasten things along.
xjeanie@reddit
This might be a long one.
I took care of my father for 17 years before he passed away. Not financially. But he did live with us. He insisted on paying us rent as he put it. He’d pay me $1000 a month that I used as extra on our mortgage payment each month. Doing that helped us pay off the house substantially quicker.
This happened because he had some very serious health problems that started with a triple bypass. Unironically I had the same surgery almost 3 years ago.
After his recovery he technically could have moved anywhere he wanted to. Neither he nor us wanted him to leave. We were all a happy family together. I cannot imagine my sons not having had their grandfather in their lives every day. He was such a positive influence on them. He was also never a burden. Financially he was well off and very generous. After he was limited by his health I took him to all his doctors appointments. And there were tons of them. Constant appointments the last few years. He was never a burden. These were things I wanted to do because I loved him. Every day wasn’t easy but it was worth it. The years we were able to spend are deeply cherished by all of us. His influence is still visible today nearly 15 years after his passing.
Maybe we shouldn’t view elder care as a burden. I understand not everyone has great parents or relationships with them and I feel all kinds of things about that. I’m just saying if you do have a loving relationship to make the most out of the time we have. It’s not infinite. I miss my father every day.
Rosie_222@reddit
That's lovely that it worked out.
For people who work full time demanding jobs, that would be impossible.
Clueless5001@reddit
Not if it takes a village. People do what they can do, just as my parents babysat when my kids were little and I needed help. I know so many people who are providing unpaid childcare to their 30-40 year old children. I have one friend whose grandchildren call her Mom (I think it’s weird but everyone seems fine with it, they say it slightly differently than for their mother).
Are those adult children going to dump them when they are old?! Aside from raising, educating the children, they have now provided tens of thousands of dollars in childcare
Not anywhere near what xjeanie did, we have family members who are 80+, the wife in general likes to travel. The husband can be left on his own but not for weeks. The last two trips different grandchildren went and stayed with the husband, helped him get food, drove him around (he can drive but prefers other people driving), and kept him company, they were on college break. It was also a good opportunity to bond with grandpa
weelassie07@reddit
What a lovely example of how elder care can work out for all!
GeorgieCookie@reddit
I have planned so that my child does not have to support me. I have investments and I’m in the process of setting up long term care insurance. I have told my child (and encouraged her) to move home for graduate school so that she can live at home and not spend money on rent so in that regard I hope she moves home. Honestly, I hope we will always live close and help each other because she’s my favorite human.
Bettypickup@reddit
Unsolicited advice, Read that policy and go over it with a fine tooth comb. My mom’s is trying to not pay half of the policy and it looks like she agreed to the terms when she signed for it. I also had her finance guy look over it and even he does not understand the language they used. I’m going to see if the lawyer can decipher it. I hope yours goes smoothly !
GeorgieCookie@reddit
I’m a lawyer and have my investment advisor and their insurance advisor working on it too. I will make sure we go over it very well! Hope your mom gets it worked out…so stressful!
Clueless5001@reddit
Curious how old you are/were when you got the policy? I am thinking it may be too late
GeorgieCookie@reddit
I am 50. There are options that offer predictability. Some policies lock in premium rates, and others let you repurpose the money if long-term care isn’t ultimately needed.
I’ve been looking into linked-benefit plans that combine long-term care coverage with a death benefit. Essentially, they function as both LTC coverage and a financial asset if the care portion isn’t used.
They’re offered by established insurers like Nationwide and Mutual of Omaha. They do cost more upfront, but the premiums are fixed, and the policy can convert into a life insurance benefit, which makes the trade-off feel more worthwhile for me. I am working with my financial advisor (who has truly been an advisor with my investments, life insurance and now LTC coverage.)
Hopefully, you find a what is right for your situation! Good luck!
Clueless5001@reddit
Thank you. I am about a decade older, sounds like I probably have already aged out of affordable coverage
iwishiknew01@reddit
Those policies are almost impossible to squeeze money from and they make it so hard so you have to commit a lot of time and energy to get a dime. I won't buy a policy after what I went through trying to get the policy to pay out for my parents. It was almost a full time job and I was also trying to work and take care of them being ill. And they had a "good" policy bought back when they were considered gold standard
kbenn17@reddit
Plus they keep increasing the premiums until people give up and drop the policies.
drunkenknitter@reddit
I would feel like an absolute failure as a parent if my child did any of that for me.
Informal-Gene-8777@reddit
Really? You would consider it a failure if your child helped you with a doctor appointment? Having loves ones with you as you navigate illness or surgery is so important. Do you plan to die without cancer or dementia other chronic illness? Good luck.
drunkenknitter@reddit
I would consider it failure if my child had to put their life/hopes/dreams on hold to take care of me. I would absolutely hate it if they prioritized me over themselves. I plan on dying in hospice, or nursing care, or by my own hand.
Extra_Shirt5843@reddit
Well, yes, hopefully I die without a prolonged illness. But if I do have one, throw me in a home and be done with it. I've seen what happens when children are forced to be caretakers and nope. Not doing that to him.
Informal-Gene-8777@reddit
There is a difference between being a caretaker and providing support. You can't go into a home for can we treatment, and they don't take you to doctor visits. I don't think you appreciate the limits of care provided.
Extra_Shirt5843@reddit
I've had three relatives in care homes. All provided transportation for doctor's appointments, etc; i don't live anywhere near my parents as it is, and I don't anticipate my kid is likely to live near us. And even if he did, he'll be working.
Extra_Shirt5843@reddit
Ditto. I shouldn't be burdening them like that.
dab70@reddit
Same
Nice-Lock-6588@reddit
Same.
El_diablo_blanco_27@reddit
No I don't, but try this on. Let's you had a good childhood with material advantages that they helped provide and also gave you a loving home. They most likely incurred this debt trying to give you a 'normal' life. That soccer league you grew up playing in? Maybe that was put on a credit card every year, despite not having the money, so you could could play sports with your friends and learn about teamwork. Sure, you could have gone without but the little money they didn't have wasn't a consideration because they cared about you and your development.
Single, childless and in your 40s is very telling and I hear selfishness in your post. You do you, but maybe spend less time building up resentment for something that hasn't happened yet. I used to think about possibly having to take care of my elderly parents but they both died from sudden, separate medical emergencies before they ever became feeble. I would give almost anything in the world to be able to still talk to them and take care of them if the opportunity was there. I miss them everyday. Careful what you wish for.
Frigidspinner@reddit
I dont think OP says they are single
yappypea@reddit
Not single, but childless and therefore selfish apparently 🙄
peachesandsir@reddit
But the very nature of being a parent isn’t quid pro quo. Just because a parent CHOSE to “put a soccer league on a credit card” does not mean that child owes them anything in return. That was the parents’ choice, not the child’s choice. And just because you lost your parents suddenly does not negate anyone else’s feelings or differing experiences; those last couple sentences of yours reeks of emotional manipulation and it’s gross, frankly.
dab70@reddit
100% agree, spot on
yappypea@reddit
Did you ask to be born? I love my parents and would absolutely take care of them physically and mentally however I could, but would try to do it without sacrificing my own life and the one I have with my husband and child. I would not be sacrificing financially though. My parents decided not to plan for retirement or future care and were irresponsible with money not to mention giving most of it to my deadbeat brother. Their financial needs cannot fall on me so that I'd eventually sacrifice my marriage...because it would come to that. My husband's parents planned for themselves and have everything in place because according to them, they refuse to be a burden. I love all my parents. I'd sooner take a bullet to the head before expecting to become a burden to my child. Please keep your shit comments to yourself, especially the part about OP being single and childless and in their 40s and therefore being selfish? People have a right to live the life they want. Some people just don't get the chance to meet someone worthy enough to want to marry and have children with. You don't just get to pick anyone at all and settle. You sound dumb af, petty and judgmental.
Some people need to get off their high horse.
Zoegirlmom@reddit
Thank you for saying this! I couldn’t agree more.
My husband and I are govt workers and don’t make a ton of money and put our children through private school along with sports, clubs, etc. It took us a bit to get out of that financial situation, but things are much more steady now. And we wouldn’t have done it any other way.
My dad died relatively young and my mom and I were able to have him home and give him a comfortable last few years. My mom become ill and passed more recently and I was able to care for her along with home health care and then hospice. Sometimes it was difficult, but in the end I am glad we were all there for each other.
I don’t expect or demand that our children care for us when we are older, but would hope they saw the impact of the care that both my mother and I provided along with external support and would want to be involved in some way.
Extra_Shirt5843@reddit
Honestly, my life would be a lot less complicated if my Dad were to just suddenly pass now. But he'll probably be like his Dad, live well into his 90's while losing his mental faculties and insulting all of us reguarly. I'm sorry you lost your parents, but even when the person was amazing, like my maternal Grandma, spending 5+ years constantly getting calls that she's sick or in the hospital again or something happened or she thought the staff stole her necklace is not quality time that you're enjoying. I hope I go quickly vs a lingering illness and I hope I never, never burden my son.
Stefgrep66@reddit
My sister looked after my mum for 10 years after her stroke, and slow decline from vascular dementia.
I told her that when mum stops being mum, and starts being a patient she needs to make a decision about her care.
She called me one afternoon and said she was done, and I agreed she needed professional care. I didn't have any guilt over this decision, it was the right thing to do for my mum and my sister
I will forever be in her debt for what she did for our mum, especially as she herself suffered terrible MH issues over the years.
Mum left a modest inheritance to us both , but I gave my half to my sister, she earned every penny of that money!
DaintilyAbrupt@reddit
You're a good sister.
Stefgrep66@reddit
I'm actually a good brother!
DaintilyAbrupt@reddit
Oh, oops! Pardon me.
You're a good brother. 😃
Gold_Comparison1745@reddit
Yes, professional care does sound like the right choice.
DigiRyder@reddit
This is a healthy communication family!
Alarmed-Idea2322@reddit
Coming from an Asian family, it’s kind of a given you’d take care of the people that gave you life and raised you and supported you until you could support yourself. I don’t feel like it’s an obligation. It feels like the right thing to do.
Independent-Web-908@reddit
As an American, I am always shocked at how Americans frown upon taking care of your family after they are 18, and how multi-generational living is seen as a failure here. I hope to always be good family with my son, and care for each other as needed. My parents didn’t want much to do with me after I was 18 and I will not be carrying on that tradition.
Potential-Drama-7455@reddit
Do Asian parents demand that their children move to where they are and give up their careers family and marriage to take care of them? Because that's what my western mother wants.
Alarmed-Idea2322@reddit
Quite the opposite. My parents hate the idea of burdening either my brother or me. They'd rather die alone in the streets than make one of us take care of them. It absolutely would a monumental burden for either or both of them to come live with my family, but I'd still find a way to do it.
Maybe it's an age thing, I'm in my 50's and my folks are in their late 70's. I see them falling apart and it breaks my heart knowing I don't have that much longer with them. I try to take my kids to see them at least once a month just to make sure they have as many memories with them as possible.
CelticGardenGirl@reddit
Non-Asian here, but I completely agree. If you were raised by loving parents and they did whatever they could to ensure your health and happiness, then how in the hell could you turn around and say, “Nope. I don’t owe you jack squat just because you gave me life. Take care of yourself you senile fucks!” That’s a narcissistic mentality.
Now having said that, the above opinion is for those of us who were lucky to have those kind of parents. Far, far too many people did NOT have decent or loving parents and they had a terrible upbringing. Those people have every right to choose differently. I believe you get what’s coming to you, eventually, and if you were a shitty parent then you’re going to live a lonely, miserable remainder of your life.
Potential-Drama-7455@reddit
Or a parent who wants everything their own way and is resistant to any change. That's my issue now with my mum. We would take care of her but she lives two hours away miles from anywhere and refuses to move. Our lives and our kids lives would be totally destroyed if we moved there.
CelticGardenGirl@reddit
Oh for sure, and in your situation that’s completely understandable. There are a million different reasons why someone could want to care for their parents but can’t. My comment was more of a blanket statement about people’s thought processes in general regarding elder care. Especially long before it’s even become an issue.
I appreciate your perspective, and it’s a hard position that you’re in. I wouldn’t uproot my family either. Parents first must be willing to do whatever is necessary in order to receive help. Take care, friend.
Potential-Drama-7455@reddit
Thanks 😊
DonegalBrooklyn@reddit
I think that's really admirable. Asian culture has always been more respectful of family, but the rest of us used to have sone of that. I don't know how we've come so far from having any love or care for our family.
SSquirrel76@reddit
That’s cute OP thinks we expect to live to 80.
Extra_Shirt5843@reddit
I sure do! I'm fully planning 90+.
blackfarms@reddit
It's part of the cycle and yes you had better step up. After all you will be in the same situation in another 30 years. Nothing worse than children parking their parents in a shitty old folks home imo.
Extra_Shirt5843@reddit
I'd rather be in a sh**ty home than burdening my child with my care.
blackfarms@reddit
Your 'child' is a grown ass adult. Typically 50ish by that point. They dedicated two decades of their lives raising your miserable ass.
Extra_Shirt5843@reddit
My kid is 15. And he hasn't dedicated any time "raising my ass". I'm presuming you worded that poorly and meant my parents. They, thankfully, will take care of themselves. They learned the hard way with their own parents and have planned ahead. As will I. I'm not sure why you're so offended that I want to spare my child the misery of ongoing geriatric caretaking.
DarthTexasRN@reddit
I’ll be taking care of my mom.
I would hope for the same consideration from my own kids.
ConversationFar4461@reddit
I have lived through this exactly and it is excruciating. Please don't expect it of your children.
DarthTexasRN@reddit
My mom would not “”expect”” it from me, but I wouldn’t have it any other way. She raised me, she cared for me, and I’ll be pay by that back to the best of my ability.
And, yes, I would hope for the same from my own kids.
LadySlayinem@reddit
I'm gonna tell you right now, none of Gen X expected to see 50 let alone 80. The people working know they will have to continue to do so till the very end.
lcplscary@reddit
As early as 14 I proudly proclaimed I would never live to see 30 and proceeded to live like it was a mission statement. At 28 I realized I was probably going to hit 30 after all (sobriety, lifestyle changes).
Now at 55 I'm close to retiring, but have a plan to make sure I never need anyone to care for me. I'm not going out like that.
liddybuckfan@reddit
My mom died when I was 26 of cancer and my dad died when I was 39 of alzheimer's. So I saw early how quickly the money goes when you need care. My parents didn't have a lot of money. My dad was a jazz musician. We always had enough to eat and a roof over our head, but they didn't have money saved and struggled with debt throughout my childhood. There was a point just before my dad died that my sisters and I were trying to figure out how to split the cost of his nursing care. I definitely don't want to put my kids through that stress. But I will tell you I would have done it, 100%. He was my dad and I wouldn't have been able to just leave him with dementia to figure it out on his own. Should he have saved more? Probably. The guy played saxophone for a living, he wasn't exactly a financial wiz. He made some bad investments with what little he had late in life that made it worse. But I would have done whatever I could to make sure he was taken care of.
So as a result I've prioritized savings for retirement so my kids wouldn't have to worry about that part. That said, I would be hurt if they weren't there emotionally and with their presence as much as they are able when I get late in life. Not because I expect them to pay me back for anything but because we're family and that's what family does.
LeanButNotMean@reddit
My parents never had much money, either. Because my Dad has a martyr complex, he planned to kill himself when he turned 60 since his side of the family passed in their 60’s. As a result, he didn’t save enough for him and my Mom. He’s now in his mid-80’s, and he and my Mom are living off their social security and meager pensions. My husband and I have saved enough to support ourselves until we’re 100 years old, which won’t happen but at least we won’t have to beg for his kids to support us.
stretchrun@reddit
My Dad always said he wanted to be brought out into a big field and shot. I told him I wasn’t going to jail for him. The reality is we don’t know what we will look like for the last few years so saying nfw to nursing care is pie-in-the -sky to be honest. Build a nest egg and hope for the best.
Low_Elk6698@reddit
100% expect to support my aging parents while my kids never move out and fail to launch. I just scored some cancer, so the only way out might be to die early.
Affectionate_Board32@reddit
Yooo! Second cancer in under 2 years and I prepared to die. As I had never heard of 2 distinct cancers in anyone.
Anywhoo, I'm still here. Surgery was a success in September but guess what else.... My elder parent I had been caring for got better and so did the kid.
Now, the spouse is getting sickly
In short, stay encouraged. You'll beat this and still get to take care of everyone.
Low_Elk6698@reddit
Congrats on making it thru multicancers so you can take care of everyone else, I can only be so lucky.
SmallHeath555@reddit
I expect them to help guide me to the right care especially if my mental capacities decline. I have money but will set up a trust to hopefully pass that to them as my parents and grandparents did for me. When it’s time, put me in the medicaid home.
tiddervul@reddit
By what right should you pass the cost of your care on to everyone else while protecting all of acorns to give to your children?
SmallHeath555@reddit
because I have worked my tail off since I was 14 years old paying into the system and never collecting a dime. No welfare, no daycare subsidies, no food stamps, no unemployment, no medicaid, no section 8. Just mac and cheese and old cars living below my means. Time for me to get back what I have paid for all these years.
tiddervul@reddit
I will upvote you for the reply, but you are dead wrong. Assuming you are in the US and roughly average in terms of income, then before you die you will be a net negative on the tax rolls. The average person will get back in healthcare services from Medicare what they put in plus interest in just a few years. Over the average lifetime. their net benefit from the program will be several hundred thousand dollars. For Social Security, it matters much more when you were born, but if you are now at least 45 years old, then you’ll get back everything you and your employer put in plus interest before you die, assuming an average life span.
For everything else like driving on roads, being able to call the police or fire department, being able to check a weather forecast and very importantly, in terms of local taxes, put your kids in school, you are almost certainly also a net beneficiary.
Mahi95623@reddit
We saved, paid off the house, invested our savings, and plan to take care of ourselves. We retired in our mid-50’s, too.
Just crazy that the older generation have not planned for their final years. We know many like your mom.
Val-E-Girl@reddit
I really hope they'd be willing, but at the same time, I really hope I remain independent as I am today.
STGItsMe@reddit
I expect to punch my own card long before any of that becomes necessary
lcplscary@reddit
Already know the where and how.
I've seen old folks - both in care homes and at home - and at a certain point you can see they're wondering how much longer they have to endure this.
C_Gxx@reddit
Yep, the 75-80 y/o Logans Run option.
Dogzillas_Mom@reddit
I don’t have kids. So, in typical Gen X fashion, I am going to white knuckle it on my own, not expecting anyone to come to my rescue.
LeanButNotMean@reddit
No kids of my own but I have stepkids that I’m pretty sure would send me to some dank, awful nursing home. I wouldn’t want to live with any of them anyway. I’m making it a priority to get a will, POA, & advanced health directives done since I don’t have any of them atm. I think I’ll ask my BFF’s to make the decision as to where to put me if my husband is no longer around to make that decision.
linniex@reddit
Not even kidding but we should start looking into forming a commune or something. I’m hoping Sarco pods are mainstream in 30 years or when I”m ready to go.
bmyst70@reddit
Same here. I don't expect anyone to help me when that time comes.
CelebrationFull9424@reddit
Yep, other than my mate..I don’t have anyone
No-Election6063@reddit
Same. I’m a little worried about what is going to happen to me. But it’s not like even if I had kids they would necessarily take care of me.
cutie_k_nnj@reddit
I will bring the hose water, friend.
uglyugly1@reddit
Fuck no.
I'm working until whatever joy I still have in this world is gone, then showing myself out.
I began my healthcare career in long term care. With everything I saw and experienced, you couldn't drag me into a fucking nursing home. The patients are warehoused, with zero dignity or quality of life, while the facility sucks every last cent out of them they can. I'm not going out mumbling and pissing in my pants, a burden to every single person around me.
SgtSausage@reddit
Hell to the No.
mapleleaffem@reddit
Your kids shouldn’t have to support you. Help out with things around the house etc., but we’re all supposed to prepare for our own retirement
PizzaDoughandCheese@reddit
Never gonna happen for me
KaetzenOrkester@reddit
No, I don't. My son's a zennial (or whatever they're calling themselves) and his family's having a hard enough time supporting themselves.
notabadkid92@reddit
NO!
unit_101010@reddit
No. The deal is that each of three kids gets a Master's degree, a home, and a car. One done, two to go. I don't expect to ask anyone for help, and would really prefer not to have to help anyone, either.
Glad_Mathematician51@reddit
Nope. I’m putting all I can aside so that I can have someone come in and care of me in my own home, just like my mom has done.
noods-danger-tits@reddit
For me this depends heavily on what type of parents your parents were to you. Obviously I'm not obligated to take care of my dad (unfortunately he's my only remaining parent), but I will, because I love him. He's spent his whole life taking care of me, my brother, and my mom, so of course I will do the same to the best of my ability.
Now, I have zero dollars, so I don't know what that looks like, but everything I can do and still retain my sanity, I'll do. That's what family does, but I also know how lucky I am to have a family like mine. I don't fault people for protecting themselves, either. It's so situation dependent.
momdabombdiggity@reddit
I am appalled at the number of people I see on here (Reddit in general, not this sub) who expect their children to support them financially. In my world (and in my parents’ and in-laws’ as well), finances flow down, not up. Meaning our parents don’t expect any financial assistance from us (and in fact, my in-laws provide us with generous financial gifts which we neither ask for nor expect), and we will never expect any sort of financial assistance from our children. I find it disgusting when elderly people ask their kids for money because they failed to plan.
Physical help is another matter. I would never expect it from my kids, but sometimes we all need a little hand. We have provided assistance to our parents with things like moving, getting to doctors’ appointments, etc.
woman-reading@reddit
Everyone needs to take care of themselves and not overspend their whole life .. everyone needs to prepare for old age
BloodyBarbieBrains@reddit
OP, you edited the original post without specifying that you edited it, and I’m going to address the new info you added. In the new edits to your post, you take offense to being called selfish and you ask about the reality of caring for all of these elderly people.
The answer is that you might not be able to do it realistically, and if you can’t realistically do it, then that is understandable. But the problem with your original post is that you were cold and unfeeling—proudly cold and unfeeling, by the way—and you plainly centered your emotional frigidity by talking about essentially not having any basic sense of morals.
Your original post did NOT ask about how to manage the stress or the finances or how to realistically handle the physical care. Your original post wasn’t focused around the practical concerns; the practical concerns took a backseat in the original post. Now, you’re backpedaling with a surreptitious, unlabeled edit and are now trying to make it sound like you’ve been worried about practical concerns this whole time. But for those of us following the original post and this thread, we know you’re lying. You’re just trying to CYA now, because you got called out on your coldness.
The reality is that we are all terrified of the practical aspects of taking care of our parents. The reality is the overwhelming majority of us don’t have enough money to do it, don’t have enough resources, and there aren’t enough bodies or hands in our generation to take care of the bodies in the aging generation. We’re all just figuring it out the best we can, because another reality is that we don’t have social support or social systems in place to cope with elders in society. We are all poor and we are ALL flailing at elder care. That’s the truth.
Where we differ from you, OP, is that we are NOT all frigid assholes who defend our lack of resources by equating them with a lack of moral obligation toward good parents.
My parents don’t expect a thing. But I AM moved by an inner morality, and thank god for that, because I’d sure hate to move through the world with your attitude. Do I have the money to back up my intentions? Nope. But I can face myself in the mirror and don’t have to spend my time rationalizing a shitty attitude, like you do.
BTW, we also all noticed that you change the original wording where are you sounded condescending about your mom crying, and your new wording sounds nicer about your mom. Again, you’re sneaking and trying to CYA because you got called out.
pangysmerf@reddit
Not in my 80s - but maybe in my 90s.
RevolutionarySea5077@reddit
I feel it is my obligation to take care of my mom. She is not quite there yet but I am starting to consider her in my retirement plans. She had a challenging life raising me as a single parent so I am okay with it soon being my turn
Loquacious_Raven@reddit
I have medical conditions that mean I am very unlikely still to be alive, so no. I don't expect them to do that. If I am still alive then, by some miracle, I still wouldn't expect them to put their life on hold in any way to see to mine. I'd figure something else out.
MagentaMist@reddit
My mother lives with me and I wouldn't wish it on anyone. I've told my kids to put me in a nursing home and go live their lives. There's no way I'm doing that to them.
Redditdotlimo@reddit
Nursing homes aren't free...
MagentaMist@reddit
I'm, yes, I'm aware of that. I've got it covered.
Redditdotlimo@reddit
The post was about folks not being able to afford to support themselves so they turn to their kids...
whatsasimba@reddit
The post asked if we expect our kids to take care of us in our 80s. Then OP gave their personal example. Why are you policing answers?
Redditdotlimo@reddit
I'm commenting on a post on the Internet. Why are you, previously uninvolved, taking it so personally?
arawnsd@reddit
In most of the G# countries it’s highly subsidized by the government to ensure all seniors can get the care they need. I say as I live in the US and fear living long enough yet feeble, so I have no assets left for my kids.
Redditdotlimo@reddit
She lives in Pittsburgh.
defmacro-jam@reddit
No. I expect someone to put me out of my misery like I was a horse with a broken leg.
Or a giant meteor.
Or a nuclear armageddon.
Or a lottery win. And I'm not sure I have much of a preference...
Affectionate_Board32@reddit
Hell, no!
I have always told mine, half JOKINGLY, I see I need to get in shape and stay in shape because you'd be a rough nursemaid and beaty feet if I did something wrong 😆😆
I plan to live abroad and be resourceful.
Grandmas2Boys@reddit
My mother is 92, I am almost 71. It is my honor and privilege to see her through her last days on this earth, and while she chose assisted living about a year ago just before her husband died, I still take care of all her bills, appointments, shopping, etc. Her mind is sharp and she gets around fairly well. My daughter and son-in-law have told us they plan to take care of us (however it works, either with them or assisted living) when the time comes, although we are set financially and can afford AL if needed. It sounds like the OP didn't/doesn't have the relationship with his parents that we have built in our family. How sad.
One-girl-circus@reddit
Absolutely not. I hope they will continue to spend time with me, of course. But i am my own responsibilityz
drupi79@reddit
absolutely not. if they voluntarily do it fine, but it's not expected. my oldest two children have been very open about the fact they want to move elsewhere inside or outside the US eventually and we're encouraging them to chase that dream. our youngest who's 13 is just now thinking about his future.
MadamSnarksAlot@reddit
I have only sons so I’m pretty sure I’ll be homeless since I’ve basically wasted my life caring for elders and children. Their fathers though who shouldered none of the load will be set up great with all of the money & pensions and retirement their paying jobs provided while I handled all the people for free. Bitter party of 1!
uNTRotat264g@reddit
I expect we will need to take care of our parents, though they all have some assets.
For us, I would hope our kids will take care of us, but we’ll have more than enough assets to cover our care. Our biggest concern is not to become a financial burden and I think we’ve accomplished that.
Penya23@reddit
I'm 47F with 2 kids. I do NOT, under any circumstances, expect my kids to support me in any way. They have their own lives and responsibilities; I am not one of them.
My parents are very well off so supporting them financially isn't something I would have to do, but when they are older, I will take care of them, for as long as possible.
Murky-Historian-9350@reddit
I’m hopeful my kids will lend a hand when needed but I wouldn’t want them as primary care givers. My mom is 84, in great shape, has good investments, and owns her home out right. That being said, she had back surgery and I stayed with her for over a month to help out. She and my dad planned l, and my husband and I intend to do the same. When we pass, our kids will inherit a home debt free along with a minor inheritance. If I ever need long term care, I hope to be able to wander off into the woods. I’d rather die from neglect than be stuck in a home
AdCandid4609@reddit
Nah. We are GenX! No one is built stronger. We had no one to depend on as children. We are built differently! We got this aging thing handled too!
ChessieChesapeake@reddit
The way things are going, their quality of life will probably be worse than mine, so I’m not going to throw that burden on them,
systemfrown@reddit
Move far away now so it’s less of an option.
StopCallingMeGeorge@reddit
I'll address this in two parts. 61M for reference.
a) Personally, we're setting ourselves up financially to manage our later years without relying on our children. We're GenX. We've been independent since childhood. We don't see a need to stop now.
b) However, we are also supporting our elderly parents (Silent Generation). It's part duty, and part setting an example for our children. I watched my parents care for elderly relatives, and I learned by example that we have a duty to care for family.
I do not feel our children are obligated to support us in old age, but I hope that they learn that family supports family through the easy times and the tough times.
IslandGyrl2@reddit
Family takes care of family.
I did a great deal for my grandmother as she neared 100. Visited, took her out to lunch, drove her places, did heavy work around the house that she could no longer manage. She planned well and never needed money, but she needed physical help. I regret none of the time I gave her -- and my children were involved too, saw the example of how to treat our elderly.
Now my mom's getting older. At the moment she needs nothing, but I will gladly "do for her" as I did for my grandmother, and my adult children will do the same. Like my grandmother, she has planned financially, and she will not need money -- but she will undoubtably need physical help.
Similarly, I have helped my adult children quite a bit: My husband and I put them through college, supported them emotionally as well -- more than most families do. We babysit any time they need it. We're there for one another.
Yes, I do expect that -- in the future -- my children will take care of me in the same way I've taken care of /will take care of my grandmother and mother. Again, I anticipate my children won't need to reach into their own wallets -- I'll be able to pay my own way, but most of us are going to need some help in our later years.
We have a culture of cooperation in my family.
734576788653454356@reddit
I don't expect to live to be 80.
renijreddit@reddit
Why not? Most people do now with modern medicine. And what if you’re wrong?
734576788653454356@reddit
I live in America, and have poor health already at 52.
MikelarlHaxton@reddit
I'm 50, i already told my kids that my old old person plan is to have the sheriffs/coroners take care of it for them lol. I bought a preneed funeral plan, so that's taken care of, and when I'm too old to take care of myself reliably, a-camping i shall go
furiously_curiously@reddit
If your partner passed and you were incapable of taking care of yourself, where would you go?
AmbassadorProper1045@reddit
Jesus H Christ are you ever a POS. You think you weren't a "burden" on your parents? Selfish much? Your parents can get assistance through their insurance including home care, but yes, it would be nice if you pulled your head out of your ass and helped here and there.
EmilyAnne1170@reddit
Found the parent who thinks of their kids as a burden.
AmbassadorProper1045@reddit
Kids are a burden. A beloved burden that you still wouldn't trade for anything. But still a burden, just ask your parents
Usual-Insurance-3843@reddit
What gave it away? There seemed to be a lot of gray area in their comment.
GenX-ModTeam@reddit
Poor Behavior - No antagonism, trolling, rage farming, flame wars, juvenility, or any other overly cantankerous commentary and/or behaviour will be tolerated.
enginerdsean@reddit
Wife and I (both 57) ……our parents are gone. We have down-sized and purged. We tell our kids they are getting nothing and we are financially planning accordingly, including end of life/long term care. We know they would help out, but tell them we have set things up so they hopefully don’t have to. They 27 and 30) are on their own and financially independent…..although we clearly tell them if they fuck up we aren’t bailing them out. Wife and I never took a bail out and have been independent since 19, including outing ourselves through college and grad school. Personally I think it is selfish to assume our kids are obligated to help when we had a lifetime to get things in order so they don’t have to.
Silverslyph@reddit
Lol I took care of my father when he was dying of cancer and now I'm taking care of my mother. My father sold all her inherited then spent every last time after. Between waitressing and hospice got him through the end. I'm trying desperately to up my career through school and buy a house, I can leave to my children so they're not just left in the world with nothing. At this rate I would be lucky to survive that long.
Blackcatsrule67@reddit
No
Ecjg2010@reddit
Hell no. We will do everything we can to avoid this happening. I even just asked him this question and he said no.
mbruntonx1@reddit
I'm going to step outside of the narrative from the original question about the morality or correctness of the decision and point out that the dilemma OP is facing has become all too common for our generation. As with most economic life choices, we face these challenges that are far greater than previous generations due to the economic decisions that were made FOR us, without our consent, yet we have navigated every challenge for the most part.
As we graduated HS, the jobs that paid sufficient wages to raise a family and secure a solid financial future with retirement security were fast -disappearing. Access to affordable healthcare, home ownership and the other symbols of a middle class lifestyle were also becoming out of reach without a college degree, and specialized skills.
Meanwhile, the US economy was shifting dramatically toward profits and investments, and away from infrastructure, wages and government supports for working people. Where we find ourselves is, in many ways what our parents' generation allowed or voted for. It will get worse for every generation going forward unless we stand up and demand change.
Foxingmatch@reddit
This, exactly! 🏆
SalmonJordan@reddit
Expect to be on my own for this part of life.
lasims79@reddit
I’ve already told my children, when it is time for me to go to assistive living or nursing home, that’s where I want to be.
anniecet@reddit
Can you afford it? Because it’s shockingly expensive.
I know that I, 48F, will end up taking care with my mother 65. This terrifies me because we aren’t that far apart in age and I am very concerned particularly with the state of the world and economic situation currently. I don’t have children. I won’t even get the house. There’s 5 of us and we do not get along, so it will be sold and split 5 ways. In all actuality if she needs long term end of life care the house will have been sold already.
Chinchizomatic@reddit
I've always planned on taking care of my parents. I'm just blessed to have married someone who wants to take care of them as well.
pilgrimsole@reddit
Nope
mecanmewill@reddit
My sister passed before 40. My dad passed at their home in Hospice care from cancer. My mom and I were with him. My mom got to a point where she couldn’t take care of their 2 acre property plus their home, alone. We asked her to move in with us. She was elated. It was honestly the hardest time in my life, but we were glad we were able to spend that time with her. We didn’t have to financially support her. It was the emotional and physical/mental/medical/day to day support needed. She eventually asked us to move her to a nearby ALF bc her medical/physical needs became too much and she was stressed watching us try to balance that plus our workloads and parenting. We moved her less than 2mi away and saw her daily.
We told our son to remember that time in our lives, bc it will be him in 30yrs (if we’re lucky). We won’t expect him to financially support us, but hope he’ll be nearby and will visit as often as he visited his grandma. ❤️
GatorGTwoman@reddit
My husband and I took in three teenagers at different points (they range in age now from mid-30s to mid-20s.) They call us mom and dad. We do not expect them to take care of us. We aren’t always the smartest with money, but we handle our shit and plan to keep doing that. We have some money saved for retirement, but nowhere near enough. We will probably work longer than we want to get to some stability, but needs must.
Abouttime00@reddit
So what you’re stating is you are a POS that is having issues giving back to the people that made and raised you -cool story bro
Most-Ad5252@reddit
Kids don't ask to be born. And if you think the cost of raising two kids for 18 years is even near the same as medical care and housing for 6 people in decline, you're nuts.
Abouttime00@reddit
LOL oh another selfish POS and where did I say it was the I said “give back” not pay everything. But hey you do you and I truly hope you don’t have chicken
bownt1@reddit
who is making it to 80?
Extra_Shirt5843@reddit
Most people I know?
bownt1@reddit
ideally you want to die at work at 62.
caravan_for_me_ma@reddit
Sounds like parents are gonna get the kids they raised.
Successful_Hour3388@reddit
I don’t expect anything. I would hope that seeing my mom care for my children’s great grandmother and me caring for their grandmother would model what love is. I do not want anyone caring for me out of obligation. I hope they want to out of love. Whatever they care looks like.
Odd-Significance8020@reddit
I have no kids. My husband has his military benefits (VA home)… I have been stocking away money to retirement accounts and properties to have the money for when i will need the assisted lifestyle.
pasquamish@reddit
I’ll hurl myself into the ocean with a cinder block before making my kids pay for me. With any luck they’ll keep visiting as I age, but this is all going to be wrapped up before that becomes work for them
JMPolisena@reddit
My question is: Did you pay for your own education? Your first car? In other words, could you have been as successful as you are without their financial support?
You have 0 children to support so you CAN invest in your later years. Parents are paying for the health, shelter, sustenance, and entertainment of their children so they don't have as much to put away and often end up in debt to pay for college and extra-curriculars.
I'm not saying you HAVE to take care of your parents but you sound like you despise them for investing in you.
I don't want my kids to have to take care of me, so I'm trying to plan, but they are starting to drive and their insurance is expensive. College is coming up. We've talked about the future and, thank goodness, my kids would rather have me live with them than be stuck in a place where no one cares about me.
Reasonable_Kick_2054@reddit
Both my great grandma and grandma lived with each other until one passed. When my Grandma needed somewhere to be my mom moved her in and took care of her. My mom is aging I have moved to help take care of her now. My daughter has said when it’s my time to move in that’s what she would like to do for me. I don’t expect this from her though. I certainly appreciate it from her though. For generations families have taken care of their elderly but it’s up to you what you decide to do. But I think coming here and ranting at Gen X is not the best place to plead your case. Sounds like you’re upset with your parents take your concerns to them it may turn out different than you think.
Reader124-Logan@reddit
I chose the no kids option, so I’m on my own in the future.
However, I took early retirement and moved closer to my parents to help. It’s not financial, it’s because I wanted to give back.
AccomplishedIgit@reddit
Times are changing and it’s not going to be realistic for future generations to support their parents like it was in the past.
demann1963@reddit
I would never assume that my kids will take care of me or my wife or ask them to do so. But I’m pretty sure that they would step in if needed on their own recognizance. Hopefully that will never be necessary.
Sufficient-Produce85@reddit
I’m having this problem with my mother right now. What I’ve done is tell her she is in no way living with me or off me. I will help her with her finances and budgeting now so she can live comfortably for the rest of her days. She inherited well from my grandfather and squandered it. I know there will be nothing for me to inherit but if there’s enough to keep her independent I’ll be happy.
wild_ad25589@reddit
I’m 66. I took care of my mom & dad along with other siblings. We cared for them until death just like they cared for their elderly parents until death.
I already know who I’ll live with if needed (hoping not to) and who will take me to an occasional doctor appointment. My daughter-in-law and both my daughters have declared that I’m living with them no matter what. All three will inherit a sizable amount of money.
My son who doesn’t care about his parents or siblings or anyone will get 30 pieces of silver.
I’m sorry for your parents.
kbenn17@reddit
We’re in our 70s and have about $1.5 million in retirement accts and our very modest, small house. I don’t feel that our two sons are in any way obligated to help, but if they can help to the extent that we can stay out of nursing homes they would inherit a good chunk of money. Otherwise we will just spend it all on nursing homes until we have to go on Medicaid. We’re in very good health and I hope that we never face going into a nursing home. But in a way this is kind of a choice they’re going to have to make.
drtdraws@reddit
Nice to be rich
Clamper5978@reddit
My parents didn’t hold up their end of the bargain. I’m going through this now with my mom. She’s 78 and in decent health. She split when I was 9 and didn’t participate in my upbringing at all after that. My dad didn’t either. I was a latchkey kid and feral. Had to fend for myself for years. My dad is remarried and is doing fine at 82. He and his wife are very active. He knows he’s on his own if she passes. He’s fine with it. My mom believes she should get to live with one of us kids. She can’t figure out why she can’t. As if we owe her. I don’t hate my parents. But other than helping her out financially occasionally, I don’t want an elderly dependent. I don’t expect my daughter to care for me either. I’ll arrange my own care if need be.
Rosie_222@reddit
I will never expect this. we worked to provide for ourselves in retirement, and anything left goes to our kids.
Biology flows downhill.
Cor_Seeker@reddit
Nope! I've told my kids I will never be their dependant. It's a family thing. My Dad was independent until he died at 95. How do we work this magic? Planning, live frugal, take care of your heath.
The vast majority of stories of parents being a burden on their kids starts with them bring irresponsible. "They over spend, over eat, never exercise or go to the doctor." They don't take care of themselves so why should you? Sure life can be cruel and something unavoidable happens. That's when the parent needs to own it even if it means their life is shorter than hoped for.
Personality it's more important to live by your own rules then live a long life. If fate decides I should contradict dementia in my 60s then that is when my story ends. I want to be remembered as I am, not some drooling head in a bed that needs someone else to wipe my backside. IMO too many people fear death or are so self absorbed they would rather ruin their kids lives then face reality.
Thank you for coming to my TED talk 😁
Life_Lawfulness8825@reddit
I guess I was lucky if you could look at it that way. My father died from cancer and my mom is financially set. My father made sure of that. She’s slowing down but I think she has a way to go before I’m faced with taking care of her full time, if it comes to that. I’m close to my parents and will 100% take care of her between my sisters and I. All three of us set our selves up to retire by 55 so taking care of her wouldn’t be a burden or a problem. Not everyone is in that position but my kids won’t be responsible for me financially. Hoping I go quick and get to be with my parents again because I know I’ll have people waiting for me. Not to make you feel bad, everyone has a different relationship with their parents. You should have that difficult conversation with your mom about what you think you’re capable of handling and she needs to plan for her future. Maybe get long term care insurance. If she can buy junk at her age she can pay for that. Did she care for her parents or grandchildren? Serious question, you get the care you give with family.
SnazzleZazzle@reddit
I took care of both of my parents in their elder years, and I’d do it all again. I did it not out of obligation, but because I love them.
I don’t know what my kids will do, and that is up to them. I’m pretty sure they’d take me to my doctor appointments, but as far as living with them, that’d be up to them, and I’m not so sure I’d want to leave my home.
My daughter is an adult and still living with me. She keeps the house clean in exchange for rent. I’ve told her she can live with me as long as she wants to save money. She’s easy to live with, and her girlfriend is very nice, as well.
All that said, who knows what the future holds. I’m not even retired yet, so I still have a few good years left (hopefully!)
CauliflowerLonely799@reddit
Doubt I’ll make it to my 80’s … but if I do , we are financially stable enough to not be eating cat food. We’re debt free except for a super small ($900, taxes, insurance, mortgage) house payment , with one pension and modest investments. That being said , I had my daughter when I was 34 , she’s barely capable of making a dentist appointment , she was coddled 🤷♀️. So No lol
Gloomy-Athlete701@reddit
I would never do it to my daughter. I just went through my Mom’s year-long illness and death two years ago and she lived with us. It was very hard. My dad made no plans and when he suddenly died before his wife, who he cared for, we had to scramble to get her a place. He always assumed she’d go first (he had been a hospice nurse & she was a decade older). This means he didn’t make any arrangements or financial plans. My stepmother died 10 days after him and her estranged sister, who they both hated got almost everything. I’m blown away about how many Boomers have been so selfish and have failed to plan anything. On the other hand my in-laws have everything planned, and have been open with their plans. I wish others would follow their example.
We’ll either arrange for home health care visits or a move to a nursing home if needed. In the next few years I plan to get our burial plots and funeral arrangements planned and paid for. My husband is a collector, so I plan to make a well-organized library in the downstairs apartment. At least his first editions will be easier to go through and sell, if they’re left in an organized and protected way.
phoenix762@reddit
God, I hope to hell I don’t have to put my son in that position….no, I don’t expect him to care for me. Nor do I want him to.
Kth2001@reddit
Same here, I’m 56 and this is a much tougher environment for my kids than it has been for me. I could never forgive myself if I somehow forced that on my kids.
Zivata@reddit
Expect? No Hope? Yes.
surly-monkey@reddit
no, but unlikely I'll make it to 80.
PaintingNouns@reddit
I’m setting up my life so it’s possible she won’t need to help much, but I’m also going to make it really easy for her to do so. She lives in another state. We are moving to be closer to her in the next few years. Is it where we would love to live? Not really. But I can’t imagine making her worry about us from thousands of miles away.
We will be getting a smaller house in a walkable neighborhood so it won’t be a big deal if we need to stop driving. And we should be more active for longer since we will be walking more anyway.
We are estate planning to hopefully have enough $ to get in-home care visits regularly so she doesn’t have to come as often.
I am NOT going to burden her if at all possible.
budkynd@reddit
StrawberryKiss2559@reddit
I don’t have kids
Resident-Fox6758@reddit
I am Gen X have taken in and cared for my Boomer gen In-Laws and my Boomer parents. My father is only living parent he is lives us now. I would never put this on my adult children and have told them so.
FabricArsonist@reddit
I didn't financially support my parents fully. My dad, not at all, and my mom, we split the household bills. But I took care of them instead of a nursing home. I'd have done the same for my MIL, but she is in a nursing home.
I have a trust for my donkey since he will most likely outlive me. It goes with the donkey regardless of if my kids keep him or sell him.
The moment I can't take care of myself, I will not exist anymore. I refuse to make my kids have the caretaking.
CartographerTall1967@reddit
i dont expect to live to my sixties
TheoSidle@reddit
I didn't expect to live past my 40s, and here I am in my 50s already...
EstateGate@reddit
FatWankerWankFatter@reddit
No. I'll make do with what I have. My middle kid is struggling to find their own way, and my youngest is still in college. My oldest is doing well but I'm concerned they'll burn out like I did.
Semanticprion@reddit
It doesn't fall on you to support them. If they fucked up, let them be homeless.
msvegas@reddit
My 75 y.o. father is in the Philippines raising two small children on his social security checks. He has been codependent on myself and my brother for supplemental income. I cut him off financially after ten years of that. I don't have kids on purpose. He is trying to get me to accept responsibility of supporting them after he passes. Some parents don't care about burdening their children. This is an example of one. Mom lives off her pension. She raised us, she gets all of the help without question.
Ki-to-Life-5054@reddit
I don't think you're obligated to do anything you can't reasonably do. That said, you have to make some effort -- but some does not imply all. I'd start looking into local (to them) resources for all the parents who don't have practical plans for their old age. At least you will know what is available to them that can make your life and theirs easier. I mean rental assistance, SNAP/food stamps, etc. If your mother winds up on public assistance, e.g., where I am there is medical transport. Get familiar with these resources now. They will be hard enough to deal with if you already know your way around them. They're overburdened in most areas. Try asking friends who are already going through this with parents.
babayagaparenting@reddit
Yes. I have MS and their father left me when I got sick. I was a teacher but had to retire earlier than I planned and now barely get by. I still work full time but for a lower salary. They still live with me during college vacations and holidays and they know I’m going to need them to take care of me in 10-15 years. We’ve discussed this.
Clueless5001@reddit
I watched my mom support my grandmother, rent her an apartment, take her to appointments and oversee her care. I would sometimes help if I could (had many young children at the time). I watched my MIL do the same for her mother.
When MIL was dying I spent every day for about a month driving her to her daily appointment an hour away by car each way. It was usually an all day event and I had to arrange for babysitters and rides for my children (ages 8- 16). I even remember at one appointment asking them to move us up because the soccer team my son had been trying out for for the last two weeks was having their final cuts that night (his 12 year old dream) and there was no other way for him to get there and the coach was a stickler.
While I did not enjoy this time, I appreciated spending one on one time with my MIL who I adored. My BIL and SIL took her in for this time so that she could be monitored and even built a ramp for walker and eventually wheel chair. She passed much quicker than we expected (lived independently until 6 weeks before her death) but we would have been grateful and happy to have her with us much longer (she was just under 80), it has been more than 10 years and I still miss her every day.
Twelve years earlier I went with her, while pregnant with my second and the first in a stroller to look at hospice facilities for my FIL as she was not a confident driver. We went all over our state for hours. I also went with her to a surgical consult for my FIL and sat with her in the hospital waiting for the surgical outcomes.
This idea that parents are on their own is crazy to me. Especially for Gen Z and later millennials, many of whose parents put them first in every way possible, and some of whom are still living with parents well into their 20s or are being partially supported by these parents. I think this has led to a certain entitlement mentality in the younger generation. I sometimes wonder what we did wrong
EvilCodeQueen@reddit
I hope they’re close and able to do small things, like drive me to appointments. But I don’t expect it and I’m not planning on it. I’m certainly not planning on relying on them for financial help and I’m working and planning to ensure that now.
PresenceImportant818@reddit
Heck no. Not their responsibility
in-a-microbus@reddit
No disrespect intended, but they sound like people who run from their problems and expect everyone else to fix shit.
No. I do not expect any help from my kids. I want them to focus on their children.
Johoski@reddit
Really, bud? You think people who are miserable together should stay together, otherwise they're "running away from their problems."
Join us in the 21st century. People are allowed to break a marriage contract without shame. People are allowed to give up on unhappiness and discord and seek freedom from a relationship that turned into a cage of resentment. Divorce can be difficult and people can be terrible and toxic but even with all of that, a world without legal divorce is a more terrible place.
in-a-microbus@reddit
Well. Now I understand why they expect you to pick up the pieces.
Johoski@reddit
Comments like yours remind me that generational cohorts are not a determiner of shared values or evolved, expanded perspectives.
You do you.
in-a-microbus@reddit
Want to know why they keep expecting OP to take care of them?
Because people keep making shitty excuses for them.
Sindorella@reddit
All of my parents have already passed and I expect I will pass before my 80s, too. I want my kids to live their lives in whatever way makes them feel the most happy and secure.
barn_burner@reddit
I am in my 50s and as a couple we have set aside enough to take care of us reasonably through the end. State of the world whatever it is. We are still dealing with two sets of parents in their 70-80s who chose to make no plan and have nothing but social security. I will break that chain before my kids are burdened with this.
bustyninja@reddit
Good for you! Hopefully we are doing the same. :) I go round and round with my parents who saved, but made no plans and sit in a big house full of crap that they can't take care of and refuse to part with. Neither could live alone, and each time a medical crisis occurs we kids have to put our lives on hold and clean it up. Rinse and repeat. It's exhausting and infuriating. We will not be that selfish to our kids!
disapprovingfox@reddit
My parents both passed before I turned 50, so no elder caring for me. As for myself, I have decent enough savings and pension to have a comfortable retirement. I have organized my papers and estate so I should be pretty easy to wrap up when the time comes. And although I am still fully able and competent, I have started to research costs to age-in-place at my home, and options for extended care.
On the other hand, my daughter-in-law gave me a stern talking to when she found out I took myself to an outpatient treatment without telling anyone. So going forward I will inform and accept help.
Glum_Courage_6330@reddit
The truth is that many of us will be chronically ill before we die. In America it takes $20k to give birth and $1 million to die. Many, with savings, will HAVE TO “spend down” our available cash on doctors/surgeons/specialists before we get any help. Right now assisted living monthly costs are over $3k a month just for a room in a decent (not nice) place. When we eventually spend all that money that we thought would keep us comfortable, we MAY qualify for SOME government assistance. Let me tell you that it’s not pretty. I love the “lone wolf” theory of dying but unless you can guarantee a clean heart attack or stroke, are you going to be able to walk away from your parent when they can’t do for themselves or when they’re getting inadequate care? It’s tough but America is not built for the weak or infirm. All that to say that while I am in the process of caring for an aging parent, I don’t want to become a burden to my children. I don’t expect them to drop their lives to accommodate mine. I have saved but I’m super clear that an extended illness could wipe all of that out or put a serious dent in it. Which would necessitate me working for a lot longer than planned. I would definitely speak with your mom about consuming less and getting a better handle on her finances. I would also take her to a financial planner who can break things down to her while still attempting to work towards whatever goals she has in mind. But please be aware that when ouch comes to shove, it’s difficult to walk away and watch what passes for elder care in this country
EfficientSociety73@reddit
I expect nothing from my children. If they want to help, great. Hopefully that means I was a good Mom and earned it. Otherwise, no. I’m sure they will though because they are both kind and caring people who enjoy helping others.
justonebiatch@reddit
In today’s economy…lol quite the opposite
Harley_Mom@reddit
I have 1 daughter and she has already said she would take care of us if we can't take care of ourselves physically. As for my mother she left 40 years ago and never looked back, she can die in a ditch for all I care. I know thats harsh but she was physically and mentally abusive, so I don't care what happens to her, she"s 80 now.
effdubbs@reddit
It’s not harsh to those of us who’ve experienced similar. People with good parents understandably cannot fathom it. I’m glad they can’t.
I see you.
Harley_Mom@reddit
🩶
watts6674@reddit
Nope, I expect them to live their lives how they want! The best thing is that I raised them by my side! I was always there for them and will always be there for them! They are treated with dignity and respect. We accepted them in on all decisions that we made! That is what this family is! We take care of each other!
As it should be!
Winter-eyed@reddit
I have told my kids all I want from them is to help me find a good place. Good daily staff, good medical staff, good record and reputation. Put me there. Visit every other week or so and live their lives. I don’t intend to be the dread in their gut when they come home. I don’t want to be more work for them or a mess they need to clean up. I will be here for them as long as I can be.
itgoesineasy@reddit
I took care of my Dad’s doctor appointments and my brother’s wife handled the finances. I don’t expect my kids to take care of me. They have lives of their own. We were fortunate that we were able to take care of my dad. Mom passed away from cancer. She was diagnosed on August 15 and passed away October 5. We were able to have her at home during that time. My dad just needed a little help with going to Doctor appointments and laying out his meds. Also we made sure he had a hot meal for lunch and something to reheat for dinner everyday. My brother and I were both firefighters so our shifts worked where one of us could be there every day. Then on one of the days we were both there and got farm work done together that needed 2 of us.
Ok_Emergency7145@reddit
No you are not selfish. If you can help your parents, help them. If you cannot, then don't dig yourself into a hole trying to help. You have to plan for your last stage of life.
My FIL currently lives with us, and he is able to pay for most of his needs. I take care of all the utilities and house payments, so his money is free for his medical needs and any foods outside of what I buy. He isn't able to drive, so much husband takes him to his appointments. My dad lives independently and currently has few medical needs, so we are able to help him if he needs something. Both our moms are dead.
I have a 10 year old. I'm trying to plan for him so that he will be able to be self supported, but if he needs help, I can help him. I absolutely do not want him to help his father and I. I don't want him to sacrifice his future for us. So I'm making a priority of putting away retirement for us. I would 💯 rather go without than have my son have us as a burden on his life. As hard as it is now for young people getting jobs and places to live, it will likely only get harder. I'm trying to give my kid as good as a head start as possible. And not leaving him to care for his dad and I is part of that plan.
StickaFORKinMyEye@reddit
I don't have kids but I will say there's a big difference between housing/supporting someone financially and taking someone to a medical appointment if they're in the same area of the county.
AhrinEss@reddit
No. I invested in long term care early.
bobniborg1@reddit
So you were correct in starting the conversation with your mom but you need to finish it. After our discussion we have a plan that includes the finances we can expect. This meant mom had to develop spending habits to make the finances happen. Elder attorney can help. Moving assests and income so that they are eligiyfor certain services can be important. Also what state you live in matters, there are many that help and many that don't.
used-to-have-a-name@reddit
This is something I worry about, too. My dad and stepmom, and my in-laws are all financially stable and pretty independent, but my mom has never been great with money and her health issues are starting to compound.
Fortunately, I’ve got siblings and we’ve all got kids, so the burden will be distributed among us a bit.
Personally, I hope to maintain my independence as long as possible, but I have started saving up tasks for when my adult kids are home, like moving that thing in the garage or finding a box in the attic.
CommissionFeisty9843@reddit
Ain’t got no kids! Heroin overdose if I’m lucky
BeersNEers@reddit
Having just gone through this with my mother-in-law and my own mother. I will do everything I can to keep my kids from having to take care of me.
skinisblackmetallic@reddit
I'll do my best to make the death scene as clean as possible and leave wishes for minimal funeral arrangements.
eeyore102@reddit
I think this is what I'm going to have to do. I don't want to burden my children, and since I have celiac, I don't trust a facility to care for me without continually poisoning me. I can't tell my family about this which sucks, but it is what it is.
skinisblackmetallic@reddit
It is what it is indeed.
East_Direction_9366@reddit
This is why I joined Dignitas.
iAutonomous2072@reddit
No, I do not expect my kids to financially support me or their mom. I do expect I will be taking care of my children in some capacity.
We created Trusts specifically for this purpose. 1. Financial assets, 2. Property Assets, 3 Business assets. They all have independent plans of execution during/after my lifetime, their mother’s and then theirs. Our wills pull the rest together.
It’s better to have a plan. We, my wife and I put this together while we were planning our businesses.
Knox_the_Boxer@reddit
Is it too much to ask if they’ve not yet moved out of my house? 😬
Greedy-Talk-968@reddit
No It would be one thing if parents and children stayed as one unit throughout life but most children are out on their own after the first 2 decades living their life as are their parents. Parents always have a responsibility for their kids but in adulthood that cord needs to be cut also. One thing to provide intermittent or short term assistance but ongoing, that seems to stem from gain, guilt and manipulation. If need that level of assistance, find me an ice floe.
inigo_montoya@reddit
My mom and her partner had no explicit plan, and by the time things got bad, they were unable to cognitively manage a reasonable conversation about what they preferred. We would have benefitted from having more conversations earlier about the topic. Though in the end it often becomes a sustained half-emergency with improvised solutions anyway. Most important is getting medical and financial power of attorney before the time comes. You can have the conversations early, or pick your timing to have the conversation when a crisis hits (less ideal).
Cleanclock@reddit
Absolutely not. I didn’t have kids until we were FIRE for this very reason.
geordiedog@reddit
My MIL is 82. Did at home child care when her 3 kids were growing up. Every thing and all her time were devoted to the babysitting kids. Her husband passed 23 years ago. She expects her children to take her to appointments, do her banking etc. Just like her husband did. She never learned to drive. She still dotes on those babysitting kids, but doesn’t expect them to do anything for her. In her words that is her children’s responsibility. Not sure how much more of this my husband can take. He is just waiting for her to die.
Fluid_Angle@reddit
This is so sad.
smythe70@reddit
I've been taking care of my Dad with my husband, it's a burden. We are childfree so all siblings expect us to do it. We are broke because I'm disabled and medical bills killed our savings. He doesn't care and we just spent yesterday in the hospital with him. I'm trying to get him aides and he's fighting it. He doesn't drive and walk, it sucks, sorry for you too.
Apart_Culture_3564@reddit
We supported my dad, my mom and my husband’s mom. I do not want to burden our kids in the same way we were burdened.
Razor_Paw@reddit
No
Bettypickup@reddit
Nope after both my parents having dementia, I already have a DNR and an exit plan just incase. I never want them going through what I am/ did the last few years.
deleted_by_reddit@reddit
[removed]
GenX-ModTeam@reddit
{community rule 2}
Apprehensive_Use1906@reddit
Everyone is different. Both my father and my wife’s father had heart attacks and both our mothers passed from cancer. We were not obligated to take care of them in hospice but i’m glad we did. There was no debt we had to deal with because they were very careful with money. Your parents reap what they sow. You have to plan for your end and the different possibilities. Can’t assume the kids will be around.
formercotsachick@reddit
My mom is 76 and my MIL is 83. Both of our fathers and my stepfather have passed away already. Luckily they both have enough money to support themselves financially through to the ends of their lives.
If we get to the point where we need assistance, we will have enough in retirement to move into a very nice assisted living property that also provides memory care and eventually hospice if needed. We have a daughter, but zero expectation that she will care for or have to support us.
ShellyLovesTacos@reddit
My mother will be 90 next week and is still living independently, including driving when she has absolutely has to. She said she will be hanging up her keys by choice when she’s 90 because she doesn’t want to wait until there’s a real sign she needs to. She has told me repeatedly that she will never allow herself to be a “burden” to her children and would go into assisted living before she would ask us to physically take care of her. I have to fight with her to pay for her dinner. All that to say, I will always do everything in my power to make sure my mom is as comfortable and well taken care of as I can before I will ever see my mother suffer in any way, because I love her. I chose not to birth kids. If I did have them, I would never see them as my retirement plan.
Surprise_Fragrant@reddit
I certainly don't EXPECT it, but I would hope that we've built a strong, loving, relationship where she will CHOOSE to help me, if I needed it, when I get older.
I think that children do have a moral responsibility to take care of their family, but there's also the moral responsibility for the parents to take care of their children; if there's a breakdown somewhere, that changes the moral contract.
GinX-@reddit
Hell no. I'll either be independent or dead. Otherwise, I'm more concerned with having a sizable inheritance for them.
MickLittle@reddit
I don't have kids and I plan to die when I can no longer take care of myself.
GushStasis@reddit (OP)
What is your death plan?
IAmDaBadMan@reddit
Death by Snu Snu.
Snowmassive@reddit
Ok. What's is that?
IAmDaBadMan@reddit
https://www.youtube.com/watch?v=3f8sjzETQ5o
Snowmassive@reddit
Copy that, thank you.
MickLittle@reddit
Lack of desire to live.
Owlthirtynow@reddit
Same.
Adventurous-Tutor-21@reddit
No, my daughter would like to, her dream is to buy a house with an in law apartment or enough land to build a small Place for me and my husband. If she does that I will be grateful, but even though she’s talked about it I do not expect it. There are several nicer elderly apartment complexes near me, the rent is based on income and I will probably end up there. She says she I’ll never let me go to a home, but I tell her you never know what type of care I might need and it might be too much. I want her to have a good life, just ask that she comes and visits me and makes sure they are treating me right. And I really hope for a window bed if I ever end up on a home. Depressing, but reality. I hope I have several good years left before that time.
SpicyMissHiss@reddit
No, I don’t expect my children to take care of me when I am older. I chose to have children which is my obligation to care for them. They didn’t choose to be born, they aren’t obligated to take care of me. If they want to help me, great, but they don’t owe me anything.
Gloomy-Tailz@reddit
What about everything you did for them and all the savrifices? One hand washes the other as they say.
Pure_Literature2028@reddit
I believe in euthanasia
CodenameZoya@reddit
Your mom still has 10 more years to work. Maybe you should sit down with her and work out a financial plan so she doesn’t become a burden.
trapped_in_a_box@reddit
Judging from my mother - if she wanted a financial plan for herself that would be set up by now. She HAS a financial plan - living in the MIL house her son is going to buy her. I work with geriatrics and this mindset is super common.
CodenameZoya@reddit
Better to do something now while she’s still working then have her show up on your doorstep with suitcases.
OldDogWithOldTricks@reddit
I'm gen x. My adult children still live at home. If they are still around in 30 years, yeah I will expect some help.
DirtyBird23220@reddit
My kid is a theatre major, so he’ll be lucky if he can support himself. Husband and I are doing pretty well saving for our retirement, so no, I don’t expect my son to support us financially. He’s got his own life to live.
Xenopheb@reddit
Same. I’m far more worried that I will need to support my adult child during my retirement years.
gagirlpnw@reddit
I'm doing everything in my power to make sure I don't become a burden to my daughter. My mom has leeched off of my grandparents and now us, her kids, her entire life. I have an older son with a disability. All I want her to have her to do is check in on him and make sure he is safe and cared for. She deserves to live her own life.
North-Neat-7977@reddit
I don't have children. Instead of having children I had a successful and lucrative career, made plenty of money. Saved a bunch of it and plan to hire people to take me to the doctor when the time comes.
GrookeyFan_16@reddit
Nope. My plan is to save as much as possible so we can take care of our own needs and hopefully leave a lasting foundation to help out our kids as they have extra challenges.
I would be THRILLED if our kids were independent enough that they were able to assist in some small ways (like mowing the lawn or shoveling snow) but I want nothing more than for them to be productive adults with their own lives.
ShakeWeightMyDick@reddit
What kids?
RunRunRabbitRunovich@reddit
Same. My husband and I were like yeah no, let’s not bring another one to live on this shit rock. I will however take care of my dad. Since my mom passed I am fixing up my house and my parents house to sell both, buy property by state game lands and let my dad enjoy a cup of coffee on a back patio facing the forest and letting him feed all the deets he wants. It wasn’t easy growing up but he deserves not to be alone and his dream of coffee on a back patio.☕️
TheBrickYard_317@reddit
Have to love Late Stage Capitalism.
DicksOfPompeii@reddit
Not to be that asshole but your attitude and outlook is what’s wrong with our society. For hundreds of years aging parents were cared for by their children because that’s just the way it was. Enter war and aging parents whose sons were killed in active duty and having fewer children in general and we might as well throw our parents out with the bath water.
I will do everything in my power to make sure my daughter doesn’t sacrifice her entire adult life or her money to take care of me as I age.
But will I take care of the one parent I have left still living? Until the day she dies. Or I do. In whatever capacity needed. No questions asked. I’m not asking her what her plans are and I’m not begrudging her use of the credit card I know she splurges with from time to time with irrelevant questions. It doesn’t matter. She can live with me or I’ll live with her or I’ll pay for her to live in a senior community or I’ll supplement her retirement income/social security…whatever.
Your Mom is living her golden years riddled with uncertainty and it’s only getting worse. Hell no she doesn’t have a plan for the future. None of us could have predicted the shitshow that is the current US economy. None of us could prepare for what’s coming.
Cut your Mom some slack. If she wasn’t a horribly abusive parent do what you can to make her life a bit easier. She lived and grew up in a time when things were very different. I doubt she wants to be dependent on a child for anything, especially if you’re making it clear she’ll be abandoned in a nursing home alone, but that’s precisely what her generation did. They took care of their elders when they had to, which was often, and multi generational households weren’t an anomaly, they were the norm. Still are in some cultures.
Gloomy-Tailz@reddit
Thank you. What I wanted to say too.
MistyMtn421@reddit
I think that's the issue that a lot of parents right now are not doing. It's really hard to think that you have to completely upend your life and take care of someone who did not even try to make sure of this.
I see a lot of people in their mid to late seventies who are running up credit card bills on crap they don't need and liiving way beyond their means. I don't really want to go into what I do for a living, but this is the age group I work with and it is really prevalent. Some of these people you can barely walk through their house because they have shopping addictions or are even borderline hoarders. So not only will they not be able to sustain themselves in the near future, they are creating unsurmountable burdens for their adult children.
And you mentioned abuse, but isn't not caring how bad you train wreck your adult children's life a form of abuse as well?
As for myself, I am doing everything I can to make sure I can age in place for as long as I can. At the same time, my daughter is house hunting and has informed me that they are looking for a home that will I have space for me should I eventually need it. I never even asked her to do that, she just offered. And a big part of that is because she grew up with a lot of love and she knows that I'm doing everything I can to make sure I am not a burden.
DicksOfPompeii@reddit
I think it’s safe to say many in that age group didn’t ever expect to live as long as they have either. We’ve made leaps and bounds in the medical field in the last 50 years.
My Mom isn’t one who has been financially reckless so that colors my stance somewhat. In fact, my Mother is so crippled by financial anxiety I think it’s held her back more than helped her.
But I don’t think it would matter if she were. I’d still do what I have to do.
ProfessionalSilver52@reddit
Very well said. This attitude is exactly why the US needs social safety net programs to provide the very basics (food, shelter, health care) to the weakest links in our society. Especially with the rise of robotics and AI and the loss of jobs.
DicksOfPompeii@reddit
I really think some people don’t realize what’s coming. I find it hard to believe we’re so far removed from The Great Depression (we’re GenXers FFS!) that a very large majority of the US is in for some wild times. Myself included, BTW.
History repeats itself is one of the most powerful statements I’ve ever heard. I suggest each and every one of you reading this go refresh on the Depression era.
Food pantries are closing due to lack of donations…look in your area and compare numbers if you think I’m just doomsday’ng here. It’s fucking startling.
Fun fact: the Depression was a direct, proven result of war.
Multi generational households began and ended with financial necessity. I’m not saying it was a fun filled family walk in the park. (My Mother drives me insane FWIW.) They didn’t have a choice. And in an economy with inflation, rising costs, job loss, higher national debt than we’ve ever had, and the current housing market it’s smarter all around to combine households. - Especially if I don’t want my kid to pay the consequences for financial choices I made.
HummDrumm1@reddit
You won’t be responsible for her debts after she passes
whatdidthatgirlsay@reddit
Nope! Thats my responsibility.
ThrenderG@reddit
But but I thought Boomers were the fuck you I got mine generation! That they bought a house for $10 and now it’s worth millions! That they hoarded all the wealth for themselves and left nothing for later generations!
And as for OP you are talking about cultural values, frankly. This isn’t a moral issue. Sure OP has zero responsibility to help his parents. That’s the culture we live in now. But there are other places where it is deeply engrained into society that children help their parents in old age. Nothing wrong with those cultures, although I’m sure the ethnocentric posters here would certainly disagree.
thebullys@reddit
No. Not at all. But that is a ways away. I would rather be dead than burden my children.
Artios-Claw@reddit
No expectation and we have financially prepared to hopefully age in place as my own parents have done. If that is not possible, we have long term care insurance and will seek a care home. My son has said he expects to take care of us, but I’d like to avoid that burden and just get in place close to where he lives.
Gloomy-Tailz@reddit
Please avoid LTC, they are horrendous places. My sister put both my parents in one of those and both met their demise very quickly due to poor care. Many LTC homes' staff have been recorded abusing elderly residents, on hidden cameras. There are documentaries on the subject and everyone should watch these.
Street_Giraffe5772@reddit
No, but it’d be cool if they helped out some. I plan to help my parents out and help my kiddo out as long as they need it. I hope I’m shoulder having compassion for others is a good thing, an expectation no!
LALawette@reddit
Rugged individualism and the bullshit we were taught since the day we entered school, led to the destruction of families so that our capitalist system can prosper.
Think about this for a minute. If multigenerational families lived together, we would have no need to pay for child care, our rent/mortgage payments would be lower per person thus creating more wealth for everyone in the family, nursing homes would be obsolete, hospice would be unnecessary, food costs per family would be lower, etc etc.
We need to take care of our families not just for them, but for us. If I let my kids stay here for less rent, then they can get ahead in their lives so they can let me stay in their ADU as I tap out.
*all this said with the caveat that if someone in your family is an ass hole, they don’t deserve this camaraderie.
IDMike2008@reddit
Exactly. The move out at 18 trope has a lot more to do with everyone needing to buy more stuff and pay landlords than anything else.
Multigenerational family living has been one of the staples of human evolution. Rugged individualism serves no one but it sure does produce a lot of profit.
NvGable@reddit
Absolutely agreed.
TerryAkee@reddit
No. In fact, that would be a huge failure. Nothing would make me feel worse than imposing upon my children when they’re trying to live their own lives, the lives I spend decades preparing them for. My wife’s parented expected this and my wife bought into the idea too. It’s an unmitigated disaster that has destroyed relationships, not the least of which is our marriage.
Agitated-Symphony@reddit
I think OP is appropriately Millennial and is referring to his mother as a GenX-er
TerryAkee@reddit
Ah. That makes more sense.
AgentDangerMouse@reddit
Of course not. However, my children need to understand that I am going to have to spend every dime I have for my care. Their inheritance is my independence and their freedom.
Gloomy-Tailz@reddit
I would not worry about any inheritence they may expect. Take care of you.
ShelterElectrical840@reddit
I have had (so far) 2 out of the 4 parents pass out of our married couples parents. Luckily, both of those parents did not get “sick” needing a lot of care at the same time and one had a surviving spouse to assist in their care. But now we have only 2 parents left - not related to each other in different states versus us. As they are aging, the probability that they are sick at the same time increases. It may not be physically possible for us to be able to take care of them at a large degree. Parents really should think about this as they get older. It’s really irresponsible not to.
SuicidalApendices@reddit
Fuck no. Being a burden on my kids in my final years is my personal nightmare. No expectations of their involvement and working to make sure I leave them as much as I can. They didn’t ask to be born.
Potential-Drama-7455@reddit
You might not have that choice even with prudent financial planning.
SuicidalApendices@reddit
And I might not need to worry about it because a nuclear war or super flu wipes us all out. The question was whether we expect our children to support us/take care of us. I answered that one.
Potential-Drama-7455@reddit
Fair point
Opening_Sandwich242@reddit
Absolutely not, that is not his job. If I don’t have enough for my old age that is my failure and not his problem, though hopefully I have enough for myself and to give him a good start in life. I would never expect him to sacrifice his own life or finances for me.
Responsible_Bill_513@reddit
Not at all.
Addendum_Chemical@reddit
I don't but I would care for my parents if they were alive. My mother-in-law (and my father-in-law before he passed) lives with us as I bought a house with an in-law suite specifically so we could take care of them.
At the end of the day, I want to set a good example for my son.
KellieinNapa@reddit
We have been paying into various plans for a long time. Making our children take care of us defeats the purpose. We are raising them to do their thing, not spend their money on us
CtrlAltDeli@reddit
Hell no. I will always have my kids back though, any way I can. Me? I got it, he needs to focus on him.
Few_Whereas5206@reddit
I would talk to them now when there is still time to fix the situation. Check out Dr. John Dalony on Dave Ramsey show on YouTube. Many people call in about this issue.
Separate-Taste3513@reddit
I've always told my kid to put me on an ice floe when I outlive my usefulness. They are in no way responsible for my elder care.
Same_Grocery7159@reddit
No, but I hope she will consider making sure I am safe and healthy and if I need nursing care she ensures that that care doesn't suck.
Not_High_Maintenance@reddit
I don’t expect them to do anything.
From a different point of view though….. my father lived with my family before he died. He spent so much quality time with my boys. They talked, played games, watched movies, etc. My sons and their grandfather created a wonderful bond by living with us and being a part of our little family. 💕 I look back on the time he lived with us and would not change anything. It was beautiful. 🥰
MrsAdjanti@reddit
My mom lived with us for her last 1.5 years. She was the sweetest person and always said she didn’t want to be a burden. While it was “work” to take care of her, I’m so grateful I was able to do so.
My husband has never been close to his mother. She will likely live with his sisters or go to a facility.
Techchick_Somewhere@reddit
This is so lovely to read. I was just talking to my dad about this as an option when it’s time.
BigFitMama@reddit
It is nice to think of paying my younger gen to care for me but I'd sooner buy/hire a Android to do my elder care. They wont forget my well being or vape weed and pass out or steal my savings or crash my car or ask to pay for my legal fees for cp.
These are the things my sibling is dealing with right now from her kids. She just started cancer care at 48 after they've completely defeated her physically and financially.
She's thinking they owe her care. I'm thinking they are going to bail now that the money pot is empty. Low and behold her best friend is the one who cares for her now after surgery.
Altruistic-Ad6449@reddit
Nope. I got a pension and investments
DifferentManagement1@reddit
No
commonsense1954@reddit
Each generation has some responsibility to help their parents out as they get old provided that they weren’t totally worthless parents and the offspring are capable. It could be as little as taking them to a medical appointment or as much as seeing that they get into a long term care facility when the need arises. I don’t believe there’s an expectation for full blown housing support and everything else that comes with that as that is unreasonable. If they’re flat broke they can go on Medicaid and they can get housing and care assistance through the government program.
WasteOfTime-GetALife@reddit
That’s entitlement thinking - and poor financial planning - NOT typical GenX thinking.
JRussell_dog@reddit
Totally agree. I don't think this is a GenX trait (or any generation, ftm) rather it's a personality trait. These are people who think the world, or people, owe them, and live their life as such. I'm GenX, no kids, and in real time take care of everything myself (to a dysfunctional degree but that's another story) and have been squirreling away savings so I'm no one's problem when I'm old. Good luck OP, not an easy situation.
WasteOfTime-GetALife@reddit
I think all of us GenXer’s are a little disfunctional ;) It was an amazing era that we’ll never see again (latch key kids were pretty safe, playing & staying gone all day, not having a phone to call or check in, or GPS to track us, etc…) due to technology. And we were also the generation where the self-help industry exploded as we got older - so we invested in figuring our shit out. But as with everything, there’s always pro’s and con’s that result from it. As I mentioned in an other comment, we are fixers and usually like to be in control - so we typically fix/ed everything for our kids which made the next generation very dependent and mot ‘adulting’ as well as we did. :(
Traditional_Fan_2655@reddit
It isn't even the GenX mentality as we are usually the ones that get it fone no matter. Weren't we all told to pull ourselves up by our bootstraps?
Then again, it is just what we do for our own parents. I go clean my MiL's mom's house 5 hrs away every 6 weeks, do her home maintenance, and overall look after her. Why? Because she is my MiL.
I always see our generations as those who fix it because we just do. For our parents and kids. Not those looking for others to fixit because they should. OP is describing s I mething foreign to most of us - being taken care of overall.
WasteOfTime-GetALife@reddit
Absolutely 100%
LowCommunication9517@reddit
I can already tell that my mom will be difficult. My dad was too. For h I m, it was painful illness. For her, we are seeing pure stubbornness, and nice-nasty comments. I hope I am not this way and can manage better. I think many in our generation don't like to rely on others but have enough sense to know when to accept help.
starship7201u@reddit
First stop should be a financial planner to see what assets your parents have to provide for themselves.
Perhaps they'll have some social security & a 401k to support them. I would also suggest LT health insurance. I get mine thru my employer. I also have an annuity as well.
Second, with that planner set up a plan for them. Encourage your wife to have her parents also see a planner.
Most people fail to plan because they assume someone else will take care of them.
Business_Coyote_5496@reddit
I worry that we will always be supporting them, the opposite problem you have
RutabagaStriking2631@reddit
My daughter expects too I tell her no. Just put me in a home someplace and live your life. Hopefully I will be kickin it old school at 90 plus.
BizzarduousTask@reddit
The GenX old folks’ homes are gonna be fuckin’ RAD. Badass music at bingo night, hip-hop karaoke, Nintendo and Xbox rooms, maybe some kind of extra-padded skate park…
Purple-Explorer-6701@reddit
That’s what I’m talking about! I work for a large construction company and we’ve built quite a few senior living projects. They have tons of different crafting rooms, hobby rooms, theaters, sports facilities, and most of them have bars.
They’re built to be like resorts and some of them have assisted living and memory care on campus so you can continue to live in the same place until you eventually go to the funeral home. I would 10/10 live in one of these.
MinervaZee@reddit
No. I don't expect it. I want my kids to live their lives. Would I appreciate help when I'm old enough to need it, like appointments and company? Yes. Do I expect it? No. Also because I'm the oldest daughter and I never want to ask for anything, so I make sure I've gotten myself taken care of.
mommymomnyleebotts@reddit
Gods. I hope not. My oldest hates me, the middle is 💀and my youngest is a heroin addict, not that I’d expect any of them to support me or move me into their homes, even if everything was “perfect,” I’m not caretaking my own parents, why would I think my kids would do it for me?
srboot@reddit
It would be nice, but no one has taken care of me to this point. Not expecting it.
ElleABE@reddit
I would love to have a family compound where we take care of each other. When our boys get married and have kids, I’d love to be close to them to be able to help with childcare and school and it would help us all financially to be able to go into together on a large plot of land. I would do it now with our aging parents and our kids but our parents aren’t interested, unfortunately, and our kids are still building their resumes and businesses. But it’s our long term plan.
blueboatmich66@reddit
We don’t need to judge others. I was reading comments and it pissed me off how incredible judgmental some of us are. You do what you need to in your own situation. Some people are not cut out to be caregivers.
WicForever@reddit
I’ve told my sons that I would rather go into a nursing home or assisted living than be a burden on them. I mean that. I’m my 75 yr old father’s caregiver, I don’t want them to have to go through or deal with what I am. Especially knowing I can be a pain. The only caveat to that was I did ask they visit regularly. If possible, monthly.
ackshualllly@reddit
My favorite aunt moved in with my favorite cousin and it fucked stuff up for a while. Told my mom under no circumstances and she was furious.
I live a wildly different lifestyle than my parents. My wife and I might join the peace corps and teach somewhere in the middle of wherever when the kids finish college. I am not being burdened with another child and now she’s happy in a retirement home.
I didn’t even have a good childhood. I can’t understand what on earth created these expectations.
Littleroo27@reddit
My dad bought elder care insurance when he was younger. It’s no longer available, but it allowed him to basically pre-pay for at home care for him and my stepmom. He also had the benefit of a high paying job, so he has plenty of money, though they still stick to a monthly budget.
My mom had a healthy 401(k) for a long time, but then life happened, and she had to start over. She’s retired now, and seems to be doing well enough, but there are absolutely budgetary restraints. If something happened and she or my stepdad needed higher levels of long term care, I think it would be difficult for them. But as my mom was basically forced to care for her mother in her later years, I can’t imagine her making me do the same.
MrPrimalNumber@reddit
80s? Good god that sounds terrible…
ObjectivePilot7444@reddit
The thing is that not everyone has the same educational background to make a mid 6 figure income. Teachers, law clerks, vet techs, CNAs, social workers, etc. The positions they hold are important but they don’t really make enough money to do much. How can
RespondOpposite@reddit
You sound like what’s wrong in the world today. You didn’t delicately ask her anything. You’re a selfish bully.
I expect nothing of my son. But I will bend over backwards to take care of my mother without question.
Bluey156@reddit
What’s wrong with the world is people having kids with the expectation that they will take care of them.
Extra_Shirt5843@reddit
Bingo. I'm floored there are still people who feel this way.
Koshersaltie@reddit
Don’t listen to this creep, OP. Clueless.
Human_Copy_4355@reddit
Absolutely not. Carrying credit card debt for anything other than basic necessities-- that's a lifestyle choice your mom is making. She needs a reality check. I would tell her very plainly that she has the opportunity to set aside money and is choosing not to, and that you will not be funding her retirement. She will be living off her own investments and savings and whatever social security has for her.
I'm GenX and I hope, but don't expect, that my kids will help me make decisions, visit me when they can, talk to my doctors when my thinking isn't clear, etc. I absolutely do not expect them to support me financially.
Junior_Statement_262@reddit
It shocks me how little some folks have planned for their sunset years.
PsychoticMessiah@reddit
I’m not. The amount of people I see struggling financially yet still smoke astounds me.
Junior_Statement_262@reddit
can't fix stupid
SassholeSupreme1@reddit
I don’t expect him to support me at all. And maybe I’m an ahole, but I kinda am expecting him to pay me back some of the money when he ruined my credit.
Inevitable_Split7666@reddit
I’m Gen X. If my kids are going to inherit everything I own,they need to take care of me in my final moment. Just like I created their first.
I took care of my grandmother ,Even though I was pregnant and my bf worked and had school. I was in charge of her bank account etc. I did my duty for her bc I respect connection. Tribes take care of each other.
My father and brother were not in the picture and didn’t help. I took her to doctor appointments and hired an aid for her. We were in the two apt house. She had démenia and always came down stairs knocking and waking me up. She was the most depressed person I ever knew in my Life. She only had one child, my mother who died when I was 16. So, yeah I took care of her. My father remarried and his new wife took care of him. You need to have some sort of plan that respects them. I wish you luck bc it’s gonna be hard.
Bzzzzzzz4791@reddit
I completely agree. I’m on r/agingparents and there are thousands of us on there seeing in real time what it’s like. No one says that you have to move a parent in but checking in, making sure bills are paid, is the Medicare up to date, etc. is needed. I see how people are from 80-100 and while there are some who are totally fine on their own, the vast majority need some sort of help, even if they don’t ask for it. People here who are saying “it’s not my burden” have never experienced any issues with aging family apparently.
rosesforthemonsters@reddit
I do not expect anything from my daughters.
They're 19 & 27 and can't support themselves right now. Not for lack of trying. They just can't afford it.
With the state of the economy, ridiculous rental costs, and no jobs to be found anywhere -- I wouldn't be surprised if I have to at least partially support them for lord knows how long.
AccomplishedClaim292@reddit
As a Genx I took care of both my parents and my youngest brother. But my parents had me late in life, Mom was 45 and Dad was 48. Neither was in debt except for less than 5 years owned on our property. I had to place my brother in a facility for several years before he passed from complications of an accident he had when he was 22. He needed around the clock care and once my 3 children got older and I divorced my ex husband, that was the safest place for him. My son is now partially disabled due to an accident at 22. He lives with us. Fast forward. My husband is a long haul truck driver. My youngest daughter married a long haul truck driver. So we combined our households. My daughter didn't want to buy a house or rent a house that only she lived in most of the time. So she asked us if we all combine and support each other. I have had some health issues that took my voice for a year and through that entire year she helped me with appointments, calls, and transportation. That health isn't over and never will be but I am now able to do everything on my own again. My husband and I are lucky we know and never expected this from our children. In fact we always encouraged them to run off to the far reaches of earth and find their place. I didn't want my children taking care of us or even to feel any kind of obligation to because I had that obligation and it shaped me in ways that are good and bad. I felt like I was the family grim reaper, making end of life choices for three out of four family members. My oldest brother had a stroke a year ago. When asked to take over his care I declined. But he has a wife and children of his own. Now they won't speak to me.
araquinar@reddit
Why on earth did they ask you? Was there something wrong with his wife and kids, or did they just feel entitled to have you take care of him? Ugh some people's kids!
AccomplishedClaim292@reddit
His wife does have her own health issues. And the 5 kids have addiction issues, the 3 grown grandchildren said it wasn't their responsibility as they are just starting their lives and are trying to break chains. Those grown grandchildren did what they should have. They set out on different paths that were not shown to them! Proud of my great nieces and nephew. Also there was the fact that I worked 30 years in elderly care as a nurse and nurse aide. To them I was choosing that position, it was who I was and who I wanted to be. What they failed to realize was I stopped working with the elderly in 2021, I was done.
dumbrules789@reddit
If you don’t have a living trust for them get started I believe it’s called an irrevocable trust unless you want all there assets to go to the govt or their long term care facility. My sister and I are the trustees for our parents. Speak to an attorney also make sure they have wills in order. You will save so much trouble and less headaches. We learned this when my parents had to start taking care of my grandmother.
Different_Farmer_416@reddit
Hmmm. Where the humanity? It ‘s cruel not to care for vulnerable people. Society is measured how care for the most vulnerable members. Don’t care for your parents because you owe them. Care for them because right thing to do. Make sure they are care for. You don’t need to physically care for the. You could move them into a decent facility and check on them. Also, as parent I try not to burden my child. If he can’t physically care for me, I take of my self and speak with him about FINAL arrangement. I will make my arrangements known. If he doesn’t agree, he will be left out of my FINAL arrangement. Communication is the key.
Cheska1234@reddit
Humanity is caring enough about your children to make sure you don’t burden them. Past that, some parents are truly bad people. Calling others out and calling them inhumane because they don’t want to care for SIX elders by themselves is wrong and absolutely uncalled for.
Extra_Shirt5843@reddit
This. I think it is selfish AF to expect your kids to give up their lives to care for you.
TruthHistorical7515@reddit
It's reddit. Individualism reigns supreme
Different_Farmer_416@reddit
Reason society is going to shit.
Vacaydream@reddit
I am 61 and helped my parents when they were in their 80s. Both had strokes and needed care. I went every Fri and helped them with laundry, shopping etc. eventually both needed full time care due to mobility and memory issues (they were divorced). I had to put my dad in a nursing home but he was now 1 mile away (before he was 30 miles away). I visited 5x week and hired someone to visit 1 day a week too. I did his laundry, paid any bills he had(with his money) and watched ballgames with him and took him for walks in the neighborhood. I baked his favorite desserts and brought him ice cream sundaes a lot. He died in 16 and in 17 my mom had a stroke and she was bad. I had to move her near me also to a beautiful facility for stroke and memory care. I also visited 5x week, took her to dinner, walks, hair and nail appts etc. ( and to the bar in her facility for a glass of wine haha). Thankfully they had money but I could never move them in with me. I worked 40 hrs a week and it would not have been fair to my husband. My mom died in 2019. Now his dad is 88 and starting to slip, he lives with a lady friend but she has said he has to leave if he needs full time care. I told my husband it is time to step up and start looking for places. I didn’t do that to you with my parents I am not caring for your dad full time! If my parents had ever struggled with money I would have taken over their finances. I don’t care if they got pissed. I refuse to be anyone’s meal ticket. They raised me like that. I retired at 58 and I would hope my kids would make sure I am cared for but I do not expect them to care for me! (I have 2 daughters and they helped a lot with their grandparents so I know they would help me) I tell them make sure you put me in a nice home and visit me a lot. They agree! (I also see them at least once a week now usually 2 x and we socialize a lot together with all of our families.)
j1knra@reddit
Have 1 kid and we’ve been financially successful so we won’t need our kids for that kind of support but I would likely to count on their help time to time as we need it.
We’ve always planned to live close together and when my young adult is ready for grad school- we plan to follow. When they set down roots, we plan to follow. We still have our part time expat plans but our permanent base will always be near our kid as they develop their family
Rand_74@reddit
I’m 52. My wife and I have no children. My mother is 81. Fortunately my brother still lives in the same city, and is very attentive. We are making plans for her to “age in place “ She has Alzheimer’s.
I see many if her friends languishing in a “home” the kids are marginally there. My point being, just because you have kids, it doesn’t mean they will be there to take care of you.
GuitarHeroInMyHead@reddit
My parents died 13 years ago... I never worried about having to support them. The same will be true for my kids...we are not going to be a financial burden to them.
I_Like_Hikes@reddit
Haha no I have no expectations. I just hope my kids can afford a decent life for themselves.
Ididnotpostthat@reddit
Yes I do. But I exhibit it through the behavior I show my parents, that is visible to them AND I have been vocal about me wanting that and it is in the context of not being a burden and there will be plenty of money to do so and outsource things they don’t want to do. I just want to be around family and people I love in my last years.
tn_tacoma@reddit
My parents took care of their parents in old age. Doesn’t mean they were good parents to me. If they are expecting the same they are in for a shock.
SolomonGrumpy@reddit
Don't have kids. Would not depend on them to do anything except visit if I did.
noeffinway@reddit
No, we don't have children. And if we did, I wouldn't expect my children to take care of me. We're taking good care of ourselves and each other so that we will hopefully age with grace. I know there are no guarantees.
BuffyBubbles1967@reddit
My mom wouldn't dare ask to be supported. My niece offered her a free house to be closer to the family and mom turned it down. She owns her home and doesn't want to move. She is 83, rretired from a state job, and supports herself fully. I am the same. I wouldn't dare ask my kids to support me.
ChavoDemierda@reddit
I just hope they have a future to look forward to without having to worry about taking care of us on top of scraping by.
perhaps_too_emphatic@reddit
Of five combined parents, two have already ghosted us (literally or figuratively?), one has nothing to say, one was already cared for until his final day, and the remaining seems financially alright but I’m on standby.
Of our kids, I expect nothing. I refuse to become a financial burden anyway.
I do need to get my paperwork in order though.
Crankyisthenewperky@reddit
No. I am making plans now so they won't. I work in long term care and I see the burden on families. Medicare doesn't pay for long term care.
My mom is Silent Generation and has long term care insurance, savings, pension, etc.
I will leave my job to take care of her when it is time, like she and I did for my dad. But because I want to, not because her circumstances make me.
JenninMiami@reddit
Kind of. My daughter and grandson live with me and I provide most of their financial support. Since I’ve had to throw away my retirement plan to support them and providing housing, they’re going to have to take care of me when I can’t work anymore.
Big_Ad1532@reddit
I don’t expect it but hope my daughter would help but I also only have one daughter and rather save the money and home for her rather than go into some crap assisted living. I hope by then we can do assisted suicide because I didn’t work all my life to put all my money into some crap hole institution. I guess it depends what I need. I will try to do things without her help. I’m a very independent person.
PunkZillah@reddit
My parents died when I was a young adult so I have side stepped this.
However, I am not expecting or leaving any responsibility to my own child. I have everything already completed sorted out. It is the very least I can do for them.
Scrappyl77@reddit
My kids arent even teenagers so I havent thought that far ahead. But my initial thought is no.
knaak@reddit
My mother in law has lived with my wife and I for over 20 years. My parents are fine. I don't really blame my MIL, my FIL died young from Parkinson's and that pretty much destroyed the limited saving he had before he had to stop working. It's not so bad, although my wife and I have never had much of us time.
Oaken_beard@reddit
My dad has Parkinson’s. I’m really sorry he, you, and your family had to go through that.
knaak@reddit
I am sorry to hear that, it's hard to see someone you love go through that I am sad to say.
NecessaryEmployer488@reddit
Push come to shove, yes. I hope to raise them well enough that they will be in a position to do that. I don't know what my future will be. Now, I am trying my best to prepare so they won't need to do such things. We are having to do such things for our parents. I see my wife maybe 2 days out of the week, because I am working, and she is having to take care of her Dad. It is just reality.
Willing_Freedom_1067@reddit
I’ve made it clear in my final wishes that my daughter is not obligated in any way to support me when I’m no longer able to take care of myself. I set up a long term care insurance provider when I was in my 30s and it’ll cover any crappy living conditions I’ll end up in. Best thing I ever did.
LaximumEffort@reddit
I’m GenX and I’ve been supporting my mother for a long time already. I am hopeful that my children won’t need to do the same.
DasArtmab@reddit
My entire family has helped our parents. My children saw this and participated in this effort in their own way. As well as the emotional reward for doing the right thing. Personally, I’m a lot healthier and financially secure. So in that aspect I have zero concerns
Ok_Schedule5017@reddit
No. We have 4 kids. I don’t expect anything from any of them. I don’t feel like it’s their responsibility.
carneviva@reddit
If there's one thing I can say I've learned navigating this exact issue with both my parents and mother-in-law is that my husband and i will ensure we will not become a burden to our daughter.
My parents 82m/74f had no retirement plan, rely on social security and Medicare, and struggle to make ends meet and if it weren't for our support I truly do not know what would become of them. And yet they continue to make poor financial decisions to further put them in a financial hole.
My mother in law is currently in an ALF, demented, and missing her left leg above the knee due to complications following knee replacement due to years of self neglect, stubbornness about self care, etc, another horror filled scenario I wouldn't wish on my worst enemy. We've had to get lawyers on retainer to help us navigate long term care, rent out her home to help cover the ALF expense, and now 13k to replace the roof, all from our pockets.
TL;DR So, no. I will have zero expectation for my daughter to financially support us, move us into her home, and/or take us to appointments as a necessity to our well being and survival. Now if she wants to do any of those things without burdening and crippling guilt and obligation then sure, but it won't be out of absolute necessity.
RealisticEscape9569@reddit
Absolutely not. Not their job. They didn’t ask to be born. Our job is to raise them and try to give them a good start and then let them live their lives.
Finding_Way_@reddit
No
However, our family has a LONG history of intergenerational living.
I was raised with my grandmother with us. I loved it. She was my best friend.
My parents lived in an ADU on our property. My kids, now young adults, say it was great. For my spouse and I? So much better than sandwich generation folks who had to fly states away to see and help their parents, AND they were an integral and HUGE part of helping us in the thick of child rearing.
We've helped and supported one another at various stages.
BUT we don't assume our kids will continue this tradition...though one boomeranged back home and even now it is mutually beneficial.
We are fine financially and cognitively. But they care for the home when we are away and always help with literal heavy lifting, some lawn items, tech issues, and more. They contribute some financially (unaware that only a small amount do we keep, the rest is in an account for their use later) and they save a ton on crazy rent prices.
Not sure why our culture seems so adverse to generational mutual care and support
Curious_41427@reddit
This! Multigenerational is the way to go. I cherished that relationship I had with my Grandmother and the lessons I learned from her, I remember to this day. The relationship that my children had with their Grandmother (my mother) that lived with us, was amazing and so much closer than the Grandparents that only flew in to visit once or twice a year. We are meant to learn from our grandparents.
Outside_Ad1669@reddit
I am fully in support of intergenerational living. My thought is we are in the last generation that will be able to afford to live alone through their elder years. And the first generations that will never be able to retire.
The multi generational estate is going to be the future for the US. But apparently we got to get through watching gen x taking themselves out before the become a burden
Out_of_Darkness_mc@reddit
I love this!! Gen-X here and our kids and I actually bought a “family” home big enough for all of us to return to! Right now, our daughter and SIL are the stewards. Our son recently left the house but another family moved in. I’m still working in a different area but we plan to go when I retire! We all love being together and get together as often as we can!
Tater72@reddit
This becomes a bigger question as they age. I like to harass them about wanting my 18+ years back each and I’m not sure I’ll live long enough.
But, a more serious thought is. What about after they age out? I have two twenty somethings in my home as they figure it out. At some point the conversation will need to become how much of my future stability am I giving up so they can have the most cushy start?
Sea_Werewolf_251@reddit
Check your state bc some states require family to take action
Lower_Row2950@reddit
Absolutely not, the last thing we would want to be is a burden on our kid. Our goal is to be as happy, healthy, and independent as we possibly can. Honestly, taking a page from my parents. They’re still going strong in their mid 80s and I hope they never slow down.
JollyGiant573@reddit
Expect it no, Would be nice.
lottadot@reddit
I hope not. I hope things like Robottaxi's are prevalent in all areas of the US, such that even if I was in a more rural area I could have reliable transportation to/from medical providers.
I fairly certain we have saved up enough that we won't need monetary help. Judging from my kids age & where we were at that same age, I'm not sure my kids will be in a monetary situation to be able to help us.
mcchillz@reddit
No. We own our home = equity. Also a small pension + 401K + Soc Security in 3 years + inheritances. I know I’m OK but there was much planning and budgeting to arrive at this point.
FlopShanoobie@reddit
An increasingly common reason for divorce is parents. Whether it’s because of financially supporting them or literally providing around the clock care, spouses are throwing in the towel when their partner becomes their parents sole source of income and stability. It’s happening a lot.
BreadMaker_42@reddit
I have limited control over getting sick or disabled with age. So I’m hoping my kids are able to step in if necessary. I hope to be able to live independently for the rest of my days. Self driving vehicles can give seniors a lot of freedom.
Finances are a completely different story. I DO have control over that and I absolutely have no intentions of becoming a financial burden on my children.
Apprehensive-Log8333@reddit
Absolutely not. And my parents do not expect my help either
bavindicator@reddit
I love my children dearly but in no way ever want to live with them. If I come to a position where I am enfeebled enough to need prolonged care I will take the long sleep.
whatsasimba@reddit
The problem is that by the time you have a stroke, you may be too enfeebled to do anything of the sort.
bavindicator@reddit
Where there's a will there's a way .
hedgehog77433@reddit
Luckily, my parents planned (even though the divorced and both remarried), dad has already passed, mom is doing ok, I should not have to support her. My MIL is another story, she has been living with wife and I for 18 years, doesn’t make enough to live on her own full time and makes too much for Medicaid. Wife and I are at our last nerve with her. Wish she passed when she had cancer a couple of years ago, wife was prepared for it, will have to go through it again when the time actually comes. I am not expecting my kids to support my wife and I, they aren’t motivated and will struggle to make enough to survive on their own let alone support a parent.
Vegetable_Loan1627@reddit
I (GenX) take care of my bed ridden mother…manage all of her care. She is Medi-Medi and lives in a section 8 apartment…I also exercise and take care of myself and tell my college age son all the time that I’m trying to stay healthy enough for long enough so that he doesn’t have to be in this position. I’ve been my mother’s caretaker since I was in my 20s.
StuffiesRAwesome@reddit
No. My one son is disabled so is my other son took care of anyone, it should be his brother.
Curious_41427@reddit
Do I EXPECT it? What kind of question is that?
I was raised in a multigenerational household and raised my children in one as well. When my mom started showing signs of Alzheimer’s, of course we cared for her at home as long as we could. Why wouldn’t we?
One of my adult children still lives at home. Do they pay rent and contribute to the household? Absolutely. My other adult child lives a couple miles away. THEY expect to care for me as needed and we have discussed plans for years.
In today’s world, and in the US, there are no longer any good options for the elderly other than family.
And for those of you sitting behind your keyboard, passing financial judgment - things happen. Life, death, divorce, all these things mean that sometimes Gen X has to start over and over and OVER AGAIN financially at 30, 40, even 50 and so don’t sit back and say “that if a gen xer doesn’t have retirement, they really fucked up.”
Obvious-Proof-1022@reddit
Even at 60. In my life, I have learned that nothing is a "given".
MutedAdvisor9414@reddit
There are some strange people in this thread. What would you do for a stranger, if you think helping a family member is outrageous? How many, who said kids shouldn't help their parents, are hypocritically also so-called socialists?
Smooth-Mulberry4715@reddit
Thank you for saying this. I’m utterly horrified at these responses.
TitsMaGraw@reddit
This is difficult question for people to answer. Each person has a different perspective depending on the relationship with their parents and how they were raised. I wanted to take care of my parents and was blessed to be able to, other want to but are not able to and it absolutely crushes them. I don’t think it is in my daughter’s thoughts about us…..I want her to live her own life. I don’t imagine my parents planned for me to care for them in the older age but we were close and they eventually moved to the same town I lived in about 5 years before they really started needing help…there wasn’t a lot of money and long term care was not something I wanted…such a difficult time for families. People should just do the best they can, leave the negative thought at the door, it’s already hard enough
Drewcifer70@reddit
No, but I'll be dead before then
baldfellow@reddit
Well... Both my parents and my wife's parents needed a certain amount of caregiving. My sister cared for our parents, and since I lived a thousand miles away and close to my in-laws, my wife and I cared for them. To be honest, I don't recall any expectations on any front: The older folks needed care, in-home care was not available, and we didn't want anybody to have to go into a nursing home.
We keep doing the best we can. We do what we can for each other. What else is there?
Status_Iron_3706@reddit
No but it would be really nice
alegna12@reddit
I hope one of them will take care of me in exchange for my financial support (pension + social security + 401k).
texasbdub@reddit
Gawd no but I’ll appreciate any help they want to provide.
Same with my parents and in-laws.
567Anonymous@reddit
We have long time care insurance, and plan on relying on our kids as little as possible. But that does not mean we won’t need help with medical appointments or care arrangements at some point. You just don’t know. Financially we should be fine—but what if we get dementia? Someone will need to manage things.
Working_Park4342@reddit
A medical power of attorney is what most people do, so their children don't have to make the decisions, you've already made them and they carry out your wishes.
567Anonymous@reddit
We have a living wills. And the medical power of attorney is part of what I am talking about—it gives them the ability and responsibility to make your medical decisions. You can detail certain things in your living will, but not everything. It is putting your kid(s) in a position where they may need to make decisions.
GrayBeardBoardGamer@reddit
I don't and won't expect it. But if I am in a position to help either my parents or children, at any stage in life, when they need it? I will.
PlaysTheTriangle@reddit
No, I don’t want him to financially, physically or emotionally support us, it’s not his responsibility. I do hope that when he gets married and has children I can live nearby and be a babysitter, be in their lives. But, he doesn’t owe us anything. I’m proud of him, and him living a good life is all I want.
FrankParkerNSA@reddit
I (M49) don't have kids myself but my wife has 3 from her late spouse (we are both widowed). Financially I have investments in place to sustain us from age 60-63 well into our 90s at this point without taking into account (potential) long-term memory care. I'm not wasting money on "long term care insurance" because it's frankly a scam. There are caps, and too many LTC insurance companies are basically legal Ponzi schemes at this point as they just declare bankruptcy whenever they run out of money.
Once our funds are depleted after LTC, I expect us be transferred to a Medicaid nursing home and any remaining assets siezed by the state upon our death. The amount my stepkids & niece/nephew chose to help will reflect on the amount of any inheritance they will get in the end - if I have to pay for nurses, drivers, etc - that's coming out of the same pot.
Delicious_Tip_7201@reddit
I think you’ve done the important thing: establish boundaries. This should help her reconsider her plan- from there I think it’s a series of conversations with her to help guide her towards the options available to her. In our case, our mom was finally ready to sell the house at 75 y/o, so we took those proceeds to a financial manager that was in the family and got her into a rental apt and a fixed income spending plan. From there she went into stepped assisted living and is now in a FT subsidized nursing home. Would she have preferred a different outcome? For sure, but once we took that option off the table, the conversation became about which remaining options were most compelling to her. She had the power to decide what and where, within a limited scope.
Good luck, just keep up gentle pressure and hold the line.
dashtophuladancer@reddit
I would have helped my mother, even though I didn’t consider her a loving mother. She passed a few years ago though. I don’t feel any obligation to my stepfather and he has children who will care for him. I feel no obligation to my father, who wasn’t a father at all. I do have an aunt who I am very close to. She has no children. I’ve always told her I’d take care of her.
I don’t think there should necessarily be an obligation but you can do your best for those you care about, whatever that might be.
candypants-rainbow@reddit
I don’t think my parents expected us to care for them, and they did the best they could financially.
financially, they mostly take care of themselves. I help with a few extras.
But now they need a lot of other kinds of help. They could not afford to hire people to do everything they need. It wasn’t an automatic expectation, but now that they need me, I am there without hesitation.
My husband’s parents are already gone, so not as intense as your potential situation. And your mother being so irresponsible with money - well, that is infuriating.
Like you, i dont have children. We make sure we will have what we need. But i would have to go into long term care if i was as fragile as my mother is now. Id rather do assisted suicide personally.
GraphicSarcasm@reddit
Absolutely not. Been planning on letting our son live his own life, happily free of supporting his parents. Maybe need a ride if in our 80s we can no longer do that. Since we have both supported our parents in this way, we know what a drain it is. My FIL seems to have planned it this way, and honestly it pisses me off in regards to the entitlement... Both my parents are gone, but we helped both of them financially periodically. MIL pretty send sufficient at least.
Snoo-77111@reddit
My dad is an awful person. He can figure it out for himself. The end.
TMCze@reddit
Same. Both parents narcissists. Not volunteering even if it means no inheritance. Planning my own way. No kids.
Snoo-77111@reddit
No kids here either. Im operating under the assumption there will be no money left after we pay for dads nursing home. It's fune i don't need it. He cant hold that over me.
tinyoop@reddit
This was my exact plan for my mom, who was also an awful person, but she passed away in 2008. My sister was taking care of her at the time. Dodged a major bullet.
MaleficentMousse7473@reddit
We don’t have children either. My own parents are nearing 80 and my husband’s parents are already in their 80’s. His parents are extremely responsible and have been getting rid of stuff for like 20 years. I have no doubt that they are financially tidy as well. They still live in the home they built together and are healthy. When they need us, we are an hour and a half away. I’m not too worried about this.
My own mother already lives with my sister and BIL in a MIL apartment on the ground level. I live a few states away. I supplement her SS income with an allowance that basically takes care of her car payment. I also take care of medical things not covered by Medicare. My dad is financially tidy but his house is chock full of stuff. As the nearest child, i expect to need to hire a construction dumpster when he vacates the house.
The question is … how many in laws will end up living with us? My MIL is clinically ocd and my dad is depressive and a hoarder. Will we need two separate in-law apartments? (I’m assuming my FIL will pass first as he is 5 years older than the others and male.)
To complicate this, we have several child-free relatives too. Three uncles and two aunts who may need our care. I’m all for child-free but there is a significant end of life question here.
So to get to your question OP: i do think that children are responsible for their parents to the degree that they are able to help. This is with the caveat that some parents are awful and if a child is no-contact then this does not apply. when people are child-free, it becomes complicated. I will probably end up in a home if I’m fortunate. (women in my family live way beyond normal expectations.)
SocietySilent4533@reddit
I think each generation has the obligation to do as much as they can to be independent, BUT family should be there when stuff happens outside their control. My mother didn’t plan or do anything to set herself up but luckily she’s on disability now and in senior housing. So she’s stable and I make sure she has a roof over head and food by ensuring access to programs. She wasn’t a good mother and I launched into the world through my own grit and loans. Luckily, my husband and I have managed to fund college funds and our own retirement. If something should happen beyond our control, I would like to think they’d be there. Just the same as I expect my kids to work hard to support themselves and make their own way BUT if something happens then I’m there for them now and in the future. My in-laws are fantastic parents and grandparents and we are ready to build them an in-law should they need it. They earned that level of care because we both love them dearly.
Jenshark86@reddit
I live in Canada where we have free healthcare and drug care and nursing homes are subsidized. I’m not worried.
Different_Farmer_416@reddit
I’m serious considering MAID if I can’t take care of myself.
Jenshark86@reddit
My friend has stage 4 melanoma and he has already set it up for when it’s time.
Mom-1234@reddit
As a mid 50’s GenX, my grandparents passed by the time I was age 2. The oldest was in their early 60’s. They all died from diseases that can be managed and provide longevity today. Except for more distant relatives, including step grandparents with several children and fairly quick end- of -life experiences for the last of the spouses, supporting and caring for aging parents never occurred to me. My parents both divorced and remarried. My stepdad and mom planned well. He, in particular, did not want to be a burden, after watching a great aunt without children slowly decline and unwilling to make changes to her living situation. Still, he passed away suddenly, my mom moved to a CCC. Getting her into Memory Care when the time came was extremely stressful. And this requires a lot of oversight…way more than my parents experienced. My Dad and stepmom have no plan. Both are declining, one physically and one mentally. We plan to cut our losses at and move into independent living at 75, unless one of us gets something earlier. Ideally, we might be near one of our children.
quasiproxy@reddit
No, I’ll have enough income streams that I won’t have to touch my 401k except for minimum required withdrawals that I’ll just reinvest so I won’t need them for financial help, and if I get to the point where I can’t move myself around I’ll end myself with dignity. That’s a personal choice but there it is.
DickWhittingtonsCat@reddit
What do you think long term care insurance will look like in 15-30 years? Will it be more or less of a rigged game than today? Think they will still have medicare drawdown then? How much will health care cost with inflation.
It’s great to be prepared- and I hope they had more dignified options than just having the medical system bleed you dry in the last 6 weeks of your life- but I wouldn’t bank on it.
Flipside is that health service providers might just be hiding behind AI in a giant trolley experiment and be pulling the plug willy nilly but then.
quasiproxy@reddit
100% disabled vet, so as long as I keep a hold of my crazy I’ll be ok.
reporterbabe@reddit
My parents both died in the past two years. My adult kids got to see me going crazy dealing with parents who refused to plan for old age, who lived in a 3-story townhouse with dangerous stairs, who wouldn’t even visit the senior center.
My husband and I recently downsized and can safely age in place. The kids know we have no intention of making them our caregivers.
Working-Lemon1645@reddit
My parents thought that if they didn't want to age, they would die instead. So we ended up with them in a five bedroom "dream home" that they bought in their sixties instead of staying where they were or finding another ranch.
Dad was severely disabled for eight years before dying of a Glioblastoma, which I told my Mom I was never doing care for again. End of life care should not take place at a home with one full-time caregiver and two people with children who work full time. She had the money to hire people, but she preferred to spend it on home improvements that did nothing for accessibility.
It was only a miracle of timing that allowed me to move in during Dad's last week of life, and we needed at least two more people to have made his previous month safe for the two of them while my husband and I were at work.
Cancer just wiped out our emergency savings and health savings, but hopefully we will have enough retirement money left to avoid making our child spend decades in a state of constant worry and stress.
Rambling-Holiday1998@reddit
We sold the family money pit home to live in an rv for awhile. When that ended we moved into an apartment. We will be EASY to pack up after we are gone. Our estate is so simple. They all have copies of our wills, as well as our advanced directives and we've shared last wishes (NO funeral dammit) with them verbally. If I'm widowed I'm still likely to join one of them, or be shared between them, but I'm trying to keep even that simple by keeping my life uncomplicated and by trying to be as physically strong as I can make myself.
tannick@reddit
I don’t expect my kids to support/take care of me, we have the means to care for ourselves and leave an inheritance for them. We also have a great relationship with our grown kids.
Large-Association-54@reddit
HELL NO!! Plan on kicking in my house and giving it to them. Not like the poor kids can afford to buy one in this shithole economy!
Anotherams@reddit
My mother was never responsible with money. she has many chronic health issues, and now is in a wheelchair. She lives in Medicaid subsidized housing now. I’ve floated a lot of things for her over the years, but do not feel it is my responsibility to pay rent for a nicer assisted living facility. Some people think I’m evil, but they didn’t grow up with her. I have no children, and have an autoimmune disease that will likely leave me in a position to need round the clock care that won’t be covered by Medicare. my spouse and I have built that into our retirement plans. I’m not setting myself on fire to keep her warm.
LifeOutLoud107@reddit
No
AllieGirl2007@reddit
The thought has never seriously crossed our minds. We have no expectations that they will take care of us. This is why we made ourselves financially stable.
We joke with them that since we changed their diapers they will one day get to change ours. But this is with ALL of us laughing
PositiveUnit829@reddit
OP, no worries. There are plenty of people that think the same way that you think. And then there are many others on the other end of the scale just waiting for their inheritance.
But the majority of us will nurture their parents and would never make comments like this.
I’m sorry you didn’t grow up in a loving family having good relations with your parents.
mrrogerspiritanimal1@reddit
“Should have had a daughter”. Just wow. Pretty blatant sexism there.
Critical_Purple_8600@reddit
I knew a single man, never married, no kids. I actually couldn’t stand him - everything was centered on himself. Liked to tell stories of “glory days” in which he as ALWAYS the star. End is his life - what does he regret? Not having kids so they could take care of him! TG he didn’t breed. He’s the type of guy they would have (and should have) left on his own. He was part of a larger friend/hobby group. I guess some people found he had redeeming qualities.
TMCze@reddit
Narcissism 101 right there - run
whatsasimba@reddit
That's what your kids said to you?
LazarGrier@reddit
Fuck no.
FreeThinkerFran@reddit
My own parents recently moved themselves into a retirement community with stepped assistance options when needed, so that they are not a financial or physical burden on me. I will do the same when the time comes so that my kids are likewise not burdened. My parents don't want me changing their diapers, and I have no desire to do so or do that to my own kids. MIL, OTOH, took in not only her own mother but her aunt and was their exclusive caregiver for their entire senior years until they passed. I think she's expecting one of her sons to do the same. We have made it very clear that we will make sure she is taken care of, but we will not phsyically being the ones doing it.
Remarkable_Data3710@reddit
Absolutely not
shawnymcclain@reddit
Never financially and I hope I am able to spare them the burden of me.
Carrera_996@reddit
I'm not certain that my kids will be able to buy their own homes. They can always stay with me for free until they inherit my place.
IndependentlyGreen@reddit
My mom had no plan for aging. Since my father died, everything fell on me (I'm her only kid). She lives in a condo, and recently, I've taken control of the household. She's deteriorating physically and mentally, which, of course, has all fallen on me. Get help? Yeah, unless I have a boatload of money, that's not going to happen.
My dad's equity from the house he owned is in my mom's condo, and I'll be damned if she squanders it. It's going to be there when her health gets worse to pay for whatever care it can afford someday.
She bitches about being alone and wants to live with my husband and me. Her condo is ADA-compliant. If she moved in with us, it would be a nightmare because our house is a small ranch that's hard for her to get around in. She doesn't understand that she's in the best scenario right now. I call her every day and twice on the days I work. I'm over there at least twice a week. She's not alone.
It's not the life I planned for my 50s and maybe 60s, but here I am. I have no kids by choice, but no one can say I don't know anything about caring for someone. I've looked after her since high school, bailed her out many times for falling behind on bills, almost losing her house, and, more recently, hoarding mail and taking her car keys away after she almost hit someone twice.
She argues that she took care of me when I was little, sure for 18 years, but I've been looking after her since 1985. My dad had no plan either; he just left us to fend for ourselves. Now my mom doesn't see the problem with allowing that to happen to me. Instead, I took control. I won't be the deer caught in headlights. Not this time.
If you have kids and expect them to take care of you in your twilight years, at the very least, make a plan and voice your desires. Don't expect them to figure it all out in the end. Just because you decided to have children doesn't mean you're entitled to the red carpet treatment in your elder years.
Your attitude will directly affect how much care you get or don't get when you can't do it anymore.
TMCze@reddit
Sounds like my family. Your post is very helpful. Thank you!
1quirky1@reddit
I'm sorry that you're subjected to her manipulation. I have been there.
Current-Anybody9331@reddit
Your mom sounds somewhat like my aunt who was diagnosed with Alzheimers and dementia and we put into an independent living community (that has various levels of care to include memory care when it gets to that.) I took over as her financial POA (because her son is a POS). Have you looked into something like that? Sell the condo and use the proceeds for her rent/care until it's gone and then Medicare steps in? She might like having a community around her and it alleviates you having to juggle all the things.
Dychnel@reddit
Nope, I’ll explore euthanasia options before I become a burden to my remaining family.
peachesandsir@reddit
Same
Next_Engineer_8230@reddit
When my mama fell ill, I absolutely took care of her.
Because shes my mom. My father had already passed away and my brother was across the country living his life. Out of sight out of mind type thing.
My son and I are very close and he's always said he will take care of me when/if the time comes that I am no longer able to care for myself, if my fiance isn't able to. He's also very close to my fiance and has said the same to him.
I refused to put my mama in a nursing home and my son feels the same way about me.
You do you with your parents. If you want to stick them in a place where people go to be forgotten, are often mistreated and abused and just wither away and die, go ahead. You aren't obligated to take care of anyone. Don't get all offended when people think you're a crap human being, though.
peachesandsir@reddit
Judgy much?
Globeblotter85@reddit
Obviously no one in your family has gotten dementia, as that is not something you would want to burden your children with. Nor are they capable of the care required.
ImmediateRelative379@reddit
adult children should help their parents
Single_Morning_3200@reddit
Respect your parents and care for them regardless.
Left-Thinker-5512@reddit
I have spent my adult life putting money away, so the money won’t be a problem unless something absolutely crazy happens.
dab70@reddit
Nope. I don't want that for my kids. I can and will take care of myself.
Comfortable_Notes@reddit
My parents were fairly well off, having been lucky enough to live in Southern California when property was cheap. Unfortunately my dad never bought a house-kept renting lovely homes. My mom was a SAHM that spent every penny he made. They divorced and she left her funds-not much left-all to my brother. My daddy remarried a MUCH younger woman, who cleaned him out. My point-no inheritance to me. No property or cash left for me. Just bills. My husband and I had been living comfortably on 2 social security incomes that allowed us a good life. We saved when we could, but there was a lot of health care expenses. We had no property, no cars, nothing. Here’s my conclusion- I’m 74 yrs old. My husband died unexpectedly 6 months ago. They stopped his social security income, and took back the check that came the month he passed away. Life insurance was very small, and final expenses were very high. I cannot afford my rent or basic living expenses on one social income. My lease is up May and they raised my rent.
Move, you say?” Two months after my husband passed away, I was diagnosed with heart disease. Severe Aortic Stenosis. Requires replacement of my Aortic Valve. ASAP. No symptoms or any clue I had it. Also-no family or friends to help me with anything-like medicine or rides to the doctor. No one to hold my hand and no one to wait at the hospital to see if I make it thru surgery.
So before you lecture boomers who can’t afford to live- through no fault of their own-remember that shit happens that you can’t control. I worked hard all my life. You can plan all you want but you can’t control everything, my friends.
Bzman1962@reddit
Was his SS benefit higher? You might be able to get a little more. Good luck
Comfortable_Notes@reddit
Nope-mine was a bit higher. Social Security was so fast to take back his August money—he passed away 8/22/25 and got the social security money 8/25/25. Because he was already gone for 3 days when the benefits went in the account, they took the entire amount back. And those benefits were for the previous month—but they have a rule about that too. I spent hours arguing with them. There IS a death benefit of about $ 250 I’m still waiting for.
Minute_Upstairs1458@reddit
Well, I’m not having kids, so I don’t really expect anything. But I did care for my mom, up until her passing of cancer. My sister and myself were there around the clock when she decided to stop treatment. We couldn’t afford around the clock nurses, so we did the best we could administering medications, getting her to the test room (or later changing her diaper), helping her keep clean and die with a sense of dignity and comfort.
As a kid, we weren’t in the financial position to provide a nurse for my grandmother, so she went into a nursing home. We’d visit weekly, go to special events like Bingo and cookouts, and try to spend time with her around work/school.
So yeah I mean, if I had kids, I would expect them to help me. And in turn, I would do what my mom did — plan for end of life well in advance, so financial burden isn’t something they have to deal with.
bookkinkster@reddit
I'm a woman living an artist and academic lifestyle while working in architecture for 26 years. I have to hope my 401K and inheritance when the time comes will support me. I never wanted my own children and my 8 year relationship ended a few years ago. I have had many lovers since and connections. I hope to either be taken care of by a younger partner which is my relationship preference, or live in an arts community or community of folks I have commonality with. Im currently doing everything to maximize my health and well being for the future. I had severe long covid which had terrified me about my future health but take a microdose of a glp-1 which resolved it all and has allowed me to be athletic.
If I am fooling myself and will be sick alone I guess ill deal with that when the time comes. I have good friends and family but no idea what the future holds. The people I have relationships with tend to be twenty years younger so its possible I will have that support. Right now I am more worried about my parents dying than myself. That is what is always in the back of my mind.
drinkslinger1974@reddit
My grandma lived with my parents for years. I think my opinion will change if I’m alone in old age, like my grandma. We loved having her around, and in adulthood we got to see her all the time because we were constantly over at my parent’s house.
VintageFashion4Ever@reddit
Hell no. My mom died a decade ago and left my narcissistic entitled father behind. My sibling and I spend way too much time assisting him. I love my child too much to ever do that to them.
fastcatdog@reddit
Ha!
Extreme-Injury-5447@reddit
Nope
SuchDogeHodler@reddit
Circle of life....
MrJohnnyDangerously@reddit
No
Frigidspinner@reddit
I dont think I will need to depend on my kids but who knows? Right now I should be fine, but the future changes quickly and when you are 85 years old you dont have many cards to play
An example is "what happens if medicare/medicaid disappears in America?" - there is simply no roadmap to being self sufficient if the government drops the ball - an insurance company is not going to insure an 80 year old
DuffyBravo@reddit
Do people really believe that the government would drop coverage like Medicare/Medicaid/SSN? If the government stopped funding these programs by 100% the US would all go into MadMax world and it would be over. Do I believe that we will have cuts and I can only expect 75/80% of coverage for these programs in the future? Yes! And I am anticipating/preparing for that change.
Large_Panic2894@reddit
Absolutely not! I have threatened my kids I will move in with all of them on a rotating basis so I can use their computers, eat all their food, leave my shoes all over the house, etc. But I would never actually do it!
It's up to us to plan our finances, and hopefully leave something behind for them. FWIW, my dad is in his late 80s, lives in his own home, and still drives himself everywhere.
Outrageous-Advice384@reddit
Right now, as a late parent who’s oldest is barely a teen, I can’t imagine that would ever happen. I was my grandmother caretaker, will likely be my mothers and my kids caretaker. I’ll have to take care of myself too.
UncleBeeve@reddit
I think the issue here is some parents earned it and some didn’t.
Adiantum@reddit
I don't expect my one child to take care of me when I'm elderly. However, I do worry that I am not as well off as my mom was at that age, she was in assisted living for 4 years, memory care at the end of that and still had enough for a small inheritance for all 6 kids.
FROG123076@reddit
No.
Nice-Lock-6588@reddit
Canada here, and both sides of parents saved for retirement. Same with us, having adult children we are not expecting them to take care of us. Looks otherwise with the house prices, but we are still young, 54 and 46.
exitcode137@reddit
Barring abuse, addiction, behavior that can't be controlled, and gross disregard (like running up thousands in debt and expecting someone else to pay), I do believe the family have a moral obligation to help each other. My parents helped their parents, I will help mine when they need it, and I expect my kids to help me when I need it. Doesn't mean I don't save or plan, but yes, I believe in the moral obligation of family to help in some respect if the family member truly can't make it on their own.
GroundhogDayLife@reddit
I don’t have children and even if I did I would never burden them with the responsibility of taking care of of aging parent. It’s one of the most stressful things a person can go through and extremely selfish of the parents. This is what I have been living through for the last 8 years of my life. I have been caring for my dad who finally moved into a nursing home last year now that he can no longer walk. He’s 94 years old. It took several near tragic events to make that happen. I am still here caring for my 86 year old mother. Both absolutely refuse to sell the house. I have argued with them for years on end about preparing for this day and to move into a retirement home. But neither would budge. This has caused extreme friction and resentment between all of us. They just expect me to take care of them since I am their daughter and feel I owe it to them for all they have done for me. They helped me out a lot throughout my life with finances because of some traumas that occurred in my life. But I am feeling like this has become a sorta codependency situation of I owe you, you owe me, and it’s al just a big giant mess now. I feel like I owe it to them in a way but at the same time I have given up 8 years of my life because this is all I do 24/7. And it’s traumatizing as hell to be around this constantly.
TraditionalBackspace@reddit
My kids won't be able to afford to live nearby.
No-Car5082@reddit
I know a gen x who is doing that with both boomer parents right now.
nonotburton@reddit
I expect my kid to not live anywhere close when we are up in age. So, not really.
Mysterious-Ad-6222@reddit
I am on the youngest edge of Gen X, 78'. I absolutely cannot fathom asking my daughter to support me in any way. I would feel like a total failure and would rather die. It is her life and she owes me nothing. I am just thrilled she seems to enjoy spending time with me as much as I do her.
Globeblotter85@reddit
Totally my thoughts as well.
UnkleClarke@reddit
I am also a 1978 baby and feel the exact same way. I would never want to be a burden to my children.
MissDelaylah@reddit
I don’t expect my kids to support me when the time comes. Retirement is a ways off for us and my husband and I both have savings and investments we’ve been paying into for years now. We’ve discussed possibly buying a multi generational home with our parents - everyone would have their own spaces but close enough to help each other out when necessary. Neither of us feel like it’s owed to parents at all - we made the choice to have kids. The kids didn’t choose to be born. Food, shelter, love and education are the bare minimum every parent owes their kids. It’s not an investment you get to claim a return on. If we do end up housing our parents, it’s because we have a great relationship and genuinely want to. We’re not placing that expectation on our kids.
Penarol1916@reddit
We did the multi generational home with my wife’s parents recently, when my father in law was diagnosed with a degenerative lung infection that they expect will kill him in 5 years. It’s been good, my wife doesn’t have to drive an hour and a half to help them with little things and they are back closer to their doctors. My father in law does house projects with my son and I and my mother in law can do gardening, knowing that my wife and I can handle the bulky stuff.
Rambling-Holiday1998@reddit
As long as my husband and I are still alive we plan to remain together and not dependent on the kids.
We already know that should one of us be left behind the other will be taken in by one of the kids. In my husband's case, one of the kids that lives local to us will take him. If I'm the widowed one our daughter in CA and our son in Chicago and our remaining kids in TN plan to ship me back and forth between their homes.
I'm cool with that. They understand that their dad will want stability if he's without me. They understand that they better keep me moving around if they don't want me to get depressed.
They watched us care for their grandparents and aunts and uncles to the end so it's just normal to them that this is how family does.
Consistent-Ad7428@reddit
No.
Extra_Shirt5843@reddit
Hell no. I don't expect my kid to be involved in caring for me physically or financially. Not his job, not his problem.
CriscoWithLime@reddit
Absolutely not. We have prepared things to not have to rely on them. If they would like to tag along to a doctor's appointment, great, but I'm treating them to lunch after.
curious4peace@reddit
Expect? Not as in demand it. But I watched my mom take care of my grandmother with Alzheimer’s and now I’m taking care of my mom. She’s in a memory care 10 minutes from my house and I go every day, bring her here when she’s able to join us for an afternoon, take her to any appointments that can’t be done on site, although that phase is over now. My siblings visit a couple of times a year. Their kids and mine are getting really different views of what it’s like to have an aging parent. So right there you’ve got variation around expectations. Memory care is having a huge impact on what we’ll inherit—none of us will have the pension my mom has coming in as a widow of someone who had one. If one of us had taken mom in, we’d all 3 inherit a lot more. I’m saving like mad in case it happens to me and I hope they are too. Eldest daughter….
Sudden-Cardiologist5@reddit
No. I have prepared for that. I just want to visit and spend time with the grandchildren.
UnkleClarke@reddit
I would never expect my kids to support me. I can take care of myself. Gen X will be inheriting the Boomer homes and money over the next 20 years and should have no need to be supported. Also Gen X has had an insanely prosperous life with exploding markets, retirement plans and real estate equity.
If a Gen X-er is broke at retirement time. They really fucked up.
Fandango4Ever@reddit
So much of this is wrong and doesnt apply to many Gen X. My parents were not boomers. Many my age didnt expect the student loan fraud and have debt like that in our 30s...that started with our generation btw. So no...not everyone is able to take care of themselves financially bc their parents fucked up, society fucked up, and mostly bc of inflation and corporate greed.
Big_Pie_6406@reddit
Yeah if they grew up middle class, working class never got the chance to invest or inherit wealth. Not all of us were so lucky and everything we have scraped by to save isn’t much. That said it definitely not the kids responsibility.
xcellantic@reddit
I have kids like you and that’s why I started smoking again.
RoguePlanet2@reddit
Blaming your kids for the "stress" of not wanting to completely support you despite your lack of financial planning, choosing to smoke nonetheless? Can't blame them.
Penarol1916@reddit
I thought that they started smoking to speed up death.
TrainingLow9079@reddit
Not financially. It's always nice if the younger generation helps the eldest through old age in other ways, but you also can't count on it. For one you may not all end up in driving distance.
Long-Foot-8190@reddit
Your mom sounds more like a Boomer than GenX. We are a fiercely independent bunch and generally don't ask for help. I'm just two years younger than your mother and I have zero expectations that my kids will carry my financial burden, they can barely support themselves in this economy. If I get to a point that I need physical assistance, that is different. I should be able to cover some caregiver expenses but I do think the kids should help if the need arises and they are near by.
Globeblotter85@reddit
Good grief, no. I was very lucky and I am hoping to leave my son's a decent inheritance. Of course that is dependent upon me and my wife's health and years spent in assisted living/nursing home. We are both healthy but enjoy a daily G&T cause who wants to live forever drooling in the living room at the home.
mrbritchicago@reddit
I’d like my kids to become famous and rich so they can financially support us, maybe buy us a nice house or someone? :)
If that doesn’t happen, we’re fucked.
MissDisplaced@reddit
I have no kids and no husband and won’t have anyone so I’m planning to move to a community for older people.
Aggravating_Ear_1586@reddit
No. I would sooner die than be dependent and a burden to my son.
whipla5her@reddit
No. I don't expect it and I've planned so they don't have to.
Athrynne@reddit
No kids, so no.
Brief_Ad7468@reddit
My younger daughter has let it be known that she expects me to move in with her when I’m too old to live on my own. I’ve always had a close relationship with my kids. Having said that I will absolutely get as much of my shit squared away beforehand so that she doesn’t have to deal with more than is necessary (Swedish death cleaning sounds about right). My mother is currently in long term care (she refuses to move in with me as I don’t live nearby and she cannot live alone) and I don’t anticipate she is likely to leave. Dealing with her hoarder house will eventually fall to me (I’m an only child), though to her credit she does not have debt and lives frugally.
Grand_Taste_8737@reddit
No, I don't expect my kids to financially support me, etc. I've spent my entire life preparing for my retirement. No need to burden my kids as they'll have issues/families of their own to worry about. If they are local and are capable, I'm sure they'd lend a hand.
Majestic-Citron7578@reddit
No. Not at all. Any decisions they make regarding my care when I can no longer take care of myself are their decisions to make. I have no intention of being a financial burden to my children if I make it to that stage.
Heck if I get there instead of the nursing home thing maybe I tell the kids it's time for me to try extreme sports. Im no advocate of assisted suicide but that might be a decent way to let nature take it's course
unicornwantsweed@reddit
No, no, and double no! The most I’ll ask for is a ride home if I was sedated, like with a colonoscopy. I raised them to take care of themselves, not me.
FlamingDragonfruit@reddit
No to living together, financial support, etc. I do hope that my kiddo and/or my siblings' kids will still like me enough to come by and help out now and then. My family is full of independent, stubborn old people who never ask for anything but thankfully we are also all busybodies who will show up and lend a hand anyway.
rufireproof3d@reddit
I will probably die before then. I doubt I will be able to afford my subscriptions for air and water, let alone food and water.
RoguePlanet2@reddit
It's a damn shame we have to consider nursing homes as "punishment." For all the money in this world that's being squandered, nursing homes could be great. Instead, we work hard and pay taxes all our lives just to be treated like garbage when we need help.
GenX was called this because we're the first generation to do worse than our parents in a long time. My father's got a great pension and investments, but it's all going to the nursing home. We have a small house and his needs are too much for visiting nurses (which they tried at his house, several times.)
Doing what I can for him since he never got his financial stuff in order, managing his care to an extent, as much as possible from a distance. Did the same for my mother, got her set up in her apartment until that wasn't enough for her needs. She was emotionally abusive my entire life, and I was barely in contact with her as it was- even if we had a large house, she was NOT moving in, and she liked her apartment anyway. But I visited and worked with the staff to ensure she was cared for, after looking at around a dozen places in the area.
SadFaithlessness8237@reddit
Absolutely not. My care is not their responsibility. I’ll do my best to care for myself as long as possible and have arrangements made well in advance of not being able to.
GroundbreakingHead65@reddit
My husband's aunt is 82 and still 100% independent and traveling internationally.
But she moved into a senior apartment community where she can transfer into a higher level of care as needed. They have a bus that takes them shopping and to appointments, so she rarely drives.
There are a lot of activities and honestly I would live there now lol.
LizaJane2001@reddit
My in-laws (84 & 89) live in a community like that, but they are insanely expensive. They are still in the independent living part of the community, but I suspect my father-in-law will start to need more care soon.
Our only child is about to graduate university, so they are still "on our payroll" at least for the moment (they are starting graduate school in the fall, but that's largely funded). The idea that this poor kid is going to support us at any point is laughable.
wesweslaco@reddit
This is our plan. We have an only child and will not burden him with us.
thembones44@reddit
No way at all. I dont feel it is my kids responsibility to take care of me and put their lives on hold. Ill move into a retirement community before any of that happens.
Brother_Farside@reddit
as someone who moved his parents into his home when they had failing health- no. It was my wife's and choice to do that.
NoeTellusom@reddit
Not at all.
My parents are thankfully quite wealthy, so they are doing well. I stand to inherit, but I'm able to save roughly half my paychecks towards retirement.
ShouldersBBoulders@reddit
I've always believed that I am responsible for me. I would like to believe I'm typical Gen X, but maybe not. I don't plan on getting the Social security I've paid into & I don't plan on my kids dropping everything in their lives to help me out (that's my job as a parent BECAUSE I brought them into this world). I'm learning a lot as I get to handle what wasn't planned for by my parents now. I refuse to leave that kind of mess (plus struggle & guilt) for my children to deal with through my twilight years & sort out when I die! That said, I hope I can stay healthy until near the end. Very few people can save enough to fully private pay for a decade or more of assisted living or nursing care, but some will need it.
lowlatitude@reddit
Ask anyone who works in a nursing home about visitors. You won't like the answer
cnation01@reddit
Dealing with this now with my mom. She ran through a nice inheritance pretty quickly.
Not interested in having my kid go through this.
IxianHwiNoree@reddit
Yes, to some extent. My daughter is great and I'd want her nearby. Mostly, I hope to be in good enough financial shape to have an aide and be able to live independently. I'd want my daughter and I to have quality time, not to have her caring for me physically.
AdventurousPound3688@reddit
No, I don't expect that from my kids. But I was in the same spot with my in-laws until they passed away. They had alot of debt and YOU are not responsible for it even if there are no assets left behind to pay off the debt! My in-laws had nothing, didn't own a house, just debt. But worst of all, my dh shares his father's name, so they really tried to get us to pay. Nope. You take on debt with poor people, that's your gamble. We honestly didn't have the money when they died to pay, our kids were still young. His parents were 3 pack a day (each!) smokers. Paying for their funerals a few years apart was a huge deal for a us at the time.
CypressRootsMe@reddit
Not necessarily. I plan to support myself financially, but I would hope they would help me get to appointments or things like that. Or maybe my grand children will. My mom died but I would have considered it an honor to help her in old age.
ParkingAstronaut1776@reddit
As someone who lives with their 80 something mother..... NO. We should not expect our children to take care of us, and I will not do this to my kid. I will make sure to have a plan in place.
linniex@reddit
My mom was a terrible mother but I am currently turning my life upside down to bring her to live on my property somewhere this year.
Cahuita_sloth@reddit
No way.
Express-Studio-8302@reddit
I have 2 financial goals, to provide my kids with the means to support themselves. And to fund my retirement as much as possible so they dont have to worry about me. The stress i feel thinking about my elders' situation which was caused mostly by poor decisions they made, melts my brain. I dont want my kids to feel this way.
No-Wealth4964@reddit
This. My parents are in their late 70s and are still fairly healthy, but since I was old enough to understand financial decision-making I have understood that they make absolutely terrible ones. Still do. My paternal grandparents scrimped and saved to give their kids a decent inheritance and I've watched my parents absolutely waste it on dumb stuff. It's their money and their decision, but I will not do that to my kids.
When it comes time, I will move myself into a progressive community with long-term care options and I will buy the insurance to pay for it (insurance first obv).
annarbor-guy@reddit
Had to take over finances for my father in law. Dementia didn’t help. He was 1200 miles away, we had cameras in house and had groceries delivered. he was fairly good at taking care of himself. We’d go 5 or 6 times a year. Brother in law lived 1 1/2 hours away and he go mostly every week. Broke his hip and passed a few months later at 89. Currently helping my soon to be 96 year old Mom. Also somewhat able to be independent, but we have a caregiver who spends 3 hours a day with her. My brother and I cover the other two days. My children are taking notes!
Bushwazi@reddit
To some degree, yes. And I’ll do it for my parents as much as I can. But I hope I don’t put anyone in a hole to do it.
roastedandflipped@reddit
Yes I do 80s is old and needs help even if they have money.but its up to you. New york most of us come from diffrent cultures. Kids stay home until marry and old people get looked after.
MerDes70@reddit
I think most of the comments here are from Americans. Most of the world has a different mentality when it comes to parents helping children even as adults and vice versa with elderly parents.
x650r@reddit
The American way is to turn your back on someone when they need you most.
Magooswife@reddit
I agree. Thankfully, my only child has a beautiful kind soul. I believe most of America has lost theirs. Very sad.
Affectionate-Tank-70@reddit
I never want to burden my kids so we have a retirement plan and will begin another plan to pay for home nursing and such if needed. Though I think my kids would help look after me I want to put that off as long as possible.
Also want to add thar my MIL lives with us and well... yeah.
gideonsean@reddit
For those of us who are currently raising children while also taking care of our elderly parents, this is an hilarious question. Will my kids take care of me? I don't know, I'm too busy paying for two colleges and two nursing homes to think about it.
roxywalker@reddit
This
Hungry_Investment_41@reddit
Absolutely! Raising kids, taking care of Grandparents at same time , first time in our lives it’s us and now our parents . We are older now than we were taking care of grandparents. Frankly I’m not prepared from more caregiving . I’m exhausted . Used up.
Tamihera@reddit
Yeah. I genuinely don’t think most of my generation will get to retire. We’ll work until we have a bad fall or crash our car due to the tremors, and then it will be hospital to hospice.
HootinHollerHill@reddit
Right?
Prestigious_Piano247@reddit
I am an immigrant settled in the US. Until today, I take care of my parents who live in another country if they need help financially. But my kids born and brought up here will never be in a situation to help me. A mindset is one thing but also it will be expensive. But I have also prepared myself not to depend on them.
VerityLGreen@reddit
Dismantling the extended family in the last century was the most foolish thing our species ever did. I’m working toward building a more just society where both family and service careers are valued a heck of a lot more than they are right now. As progressive as possible, to build back as much healthcare coverage and respect for the workers that provide it as possible. And to foster respect for diverse family structures and encourage everyone to hold onto whatever extended, nuclear, chosen or found family they may have. (I refuse to give the throuple in my step-family a hard time because the nuclear family was never meant to bear all this mess and by golly they take care of each other.) I’m doing what I can until this body gives out and our corporate overlords finish bleeding us dry anyway. I want to at least leave a better example so whoever is left can rebuild something better on the ashes of civilization. The American Dream never took elder years into account, much less late-stage capitalism.
That said, neither hope nor despair constitutes a plan.
Home care (as long as there is someone available to pay to provide it) as long as possible. It would be nice if my daughter wants to live with me to oversee said care but I don’t expect it. I’m more concerned she build her own family, whatever that looks like. So there is someone in her old age to care for her and love her like I do now.
ruskindrive@reddit
Home care is crazy expensive and not covered by insurance except for medical issues and then short term only.
VerityLGreen@reddit
Correct.
jaydrian@reddit
If my mom were alive, I would help her any way I could. My dad is still around, but doesn't live close. He doesn't ask anything of me really. But the few times he has asked, then I have shown up. Do we owe it to our parents? No, but I watched my grandparents care for their aging parents in small ways. Helping around their homes. Taking them to doctors appointments, visiting or dropping by. Paying for dinner when we have gone out. I grew up close to my grandparents, their siblings and great grandparents. So I guess maybe that gives me a different perspective.
Do I expect my kids to support me? No. But I also have a really good relationship with my kids. So I hope that someday when I'm up there they stop by and mow my yard. Or drive me to the appointment out of town or help me drag something out of the attic. Or just coming over to hang out and visit an old woman. I also realize that life is fragile. So if they need to move back in, my door is always open.
x650r@reddit
You’ve got the right attitude. You certainly don’t owe them anything. As a general rule I’ve found that it’s best to turn your back on family when they need you most. We’ve got our entire lives to figure it out. If something unforeseen happens and we’re not prepared, that’s on us. Hopefully they are in the right mindset and completely ignore and turn their backs on you should something unfortunate ever happen to you. The concepts of ‘love’ and ‘family’ are entirely overrated.
Critical_Purple_8600@reddit
You sound like a taker who thinks your kids owe you for raising them.
x650r@reddit
Did you read my comment? In all seriousness, I don’t think my kids ‘owe’ me anything. Now that they’re grown adults I don’t ‘owe’ them anything. However, I do absolutely everything I can to help them out because they’re my kids and I love them. Not because I think I owe them or think they’ll ’owe’ me in the future. People have been commenting that they’d kill themselves before becoming a burden. If I found myself in the unfortunate position of needing help and my kids all said they don’t ‘owe’ me anything or have a moral obligation to help, I might consider offing myself in that case. Only because I had failed to teach my kids compassion. Can you imagine having a daughter that was as big of a cunt as OP? She was trying to express how awful her parents are but comes across as a real POS instead.
modern_idiot13@reddit
I'm 48 and have been widowed 23 years. My only child and their spouse and I are talking about land and a MIL suite.
OP, your mother taught you how to shit in a bowl and eat with a spoon. Otherwise, you'd just be a Neanderthal.
cbmc18@reddit
My kid isn’t able to support himself (early 30s) and I actually worry more about the burden he will place on my grandkids rather than me burdening him.
Main_Protection6236@reddit
Nope but I helped as much as I could.
Texas_Prairie_Wolf@reddit
I was raised and I raised my kids that you do what you can to take care of your family.
Though we are not a perfect family I do not consider my branch of the family to be dysfunctional.
Flembot4@reddit
No way. I want them to live life and hopefully have less struggles. I don’t want to be another burden. Makes no sense to me.
I_defend_witches@reddit
My kids say they will. But I plan on having Optimus in 25 yrs to help out.
EatMe1975@reddit
Aren’t robots gonna do this shit for us?
Cavey99@reddit
I don’t expect to make it to my 80s. Can’t believe I still alive now.
Twisted_lurker@reddit
I’m not sure it is a Gen X thing because I see both sides represented by people close to me.
Do I expect them to take care of me? No, I am doing what I can to prevent that. I see it as a form of love to nurture their independence and hope they pay it forward. That is what my Silent Gen parents attempted at least financially (though realistically, my siblings do help with my mother’s health).
My spouse’s (also older GenX) family is different. There does seem to be an expectation of caretaking, and guilt/judgment if it isn’t done. Caretaking is valued more than independence. My spouse excels at caretaking yet I despise the idea of someone having to care for me.
My child is stuck between two worlds: one in which love is shown by nurturing independence, and one in which love is shown by being present in times of need.
I absolutely worry my child will be “stuck” living their life for someone else.
1quirky1@reddit
All my mother's kids were stuck supporting her at one time or another. She sowed discontent among her kids so we wouldnt compare notes while she grifted us more individually. It blew up ending in no-contact when my sister and I compared notes.
I would never do that to my kids. I ma fortunate enough to afford their college and take care of ourselves.
Avaloncruisinchic@reddit
My answer is a resounding NO. I am working for my own retirement, long term care ins and assoc healthcare costs. My mother is debt ridden and it has been a disaster all her life. She ended up selling home under pressure, and squandering money. Her mental state changed after sale of home that she was taken out and now waiting for nursing home placement. Never in my wildest dream I imagined the turn of events. I had to have legal intervention.
JT-Av8or@reddit
Absolutely not, and I’ve told them as much. I’m in the same situation as you, my parents are broke as shit because they lived their lives by running credit to the max, refinancing the house, paying off the cards and repeating. When my mom says “I have $300 on that card” she doesn’t mean a balance of $300, she means $300 below the limit! Now they’re 80, owe more than $400k on a house they should have paid off 10 years ago, and $75k in ccard debt and my sister wants to pay their debts again. My in laws are just about out of money and need a place to live too. I don’t know where this meme about boomers doing well comes from :)
But yeah, for my kids parenting goes one way. I take care of them and myself. Period. They take care of themselves and their kids. I won’t let them help us.
Critical_Purple_8600@reddit
My boomer siblings are “takers.” They did the same - took equity out of their houses. My sister got $20K in retirement money from a divorce in the early 90s. Did she invest that money in her own retirement or even property? No she did not. She spent it on some quack-residential program in California. Now she is complaining that she has no retirement and has never seen $100K in her life. Well - if you’d kept that money as retirement funds, you’d have something now.
IM_The_Liquor@reddit
Expect it? No… But I’d like to think I wasn’t such an asshole my family wouldn’t want to help out where thy could when I need it… I simply don’t see it as a huge burden to offer the occasional ride or help out with the doctors or the likes.
Jifferte@reddit
I (F51), have three kids (M21, M19, M19), we’ve already had the conversation that our old age is not their responsibility. That’s what our retirement and long term care insurance is for.
LeftPhilosopher9628@reddit
No
ShellyForNow@reddit
No
Candleforce-9728@reddit
I’m providing for my parents. They paid for my college and helped me launch and then they had severe medical setbacks. Now I house them.
For my own progeny my goal is to leave a paid off house and hopefully some extra. It’s impossible for kids these days; I can’t imagine them affording to buy a house.
Green-Protection-600@reddit
Guarantee not making to 80's. Also, already completed the Swedish Death Cleaning and I am not 50 yet. Kids will have do very little when the time comes.
MechanicBright8644@reddit
I don’t expect our daughter to support us financially nor do I feel like she “owes” us help of any kind. However, our relationship is such that I’m pretty sure if we need help she’ll do what she can - if that means picking a nice nursing home & visiting when she can, so be it. I don’t want to blyeiii
Agreeable_Switch_494@reddit
GenX parent here, born in 1969, my children are 30 and 31. I definitely do not expect them to care for me financially. Times are much harder for them than it was for my husband and me. He and I are saving money for a comfortable retirement and hope to be able to leave them money too. Because the world is going to shit….
lionbacker54@reddit
Oh heck no
Recordeal7@reddit
My silent generation parents 100% expected me and my siblings to take care of them beginning in their late 70’s. They didn’t save one penny for retirement, lived paycheck to paycheck, and lived above their means their entire lives. I’ve been saving my ass off for retirement. Not about to put my kids through what my parents put us through.
Spicercakes@reddit
That's wild. My Silent Gen parents are the exact opposite.
houseocats@reddit
Those of us without kids have already planned for this.
GasmaskTed@reddit
Live together, die alone
DigiRyder@reddit
I’m a bit older, “Gen Jones” specifically (1964), and an only child of a single mom (at the time in Kansas City and a jaunty little gay boy). So i grew up learning to fend for myself even more than most maybe. She did eventually marry when i was 10, and I call him “Dad” (only one I’ve ever known and a great man), but he was only 15 years older than me, so it’s always been kind of like an “older brother” dynamic. But anyway, They are still married 52 years later. I left home at 15. Nothing bad, i was a foreign exchange student in high school, and ended up just never living at home again…fast forward 30 years later, and a well maintained but distant relationship with my parents because i had lived all over the world, “Out” gay, no kids, etc. but i had eventually settled with a partner they loved in Charleston, SC and when my Dad started talking about retirement planning, i started an influence campaign (and maybe a little strong arming, lol) for them to move to where i am. We had always brought them out for vacations and rented a local beach house for a week here and there. The four of us often traveled together as adult couples anyway and genuinely enjoyed each other’s company and many of the same things. We are real adult friends. But also because i am an only child, and i knew i would never return to Kansas, so I needed them closer to me before things started going wrong. And i made a deal with my Dad - if he could make sure they had enough money to retire on, to live on, (and i asked them to buy long-term care insurance, not cheap btw), then i would buy a condo that they could live in near us. And that’s what we did. I was not concerned about the condo purchase because i have the money (no kids) and i actually picked a condo that I would want to retire and live in myself because i knew i would regain possession once they were gone. It has mostly worked out as planned. My mom had a stroke a few years ago, and she is now in a memory care nursing home, (thank god for that Long Term Care insurance!) and Dad is close enough that he goes to see her every day. he loves his golf-three days a week lifestyle, and honestly he and I are even better friends now as old men commiserating about our prostates, etc. he treats my (now husband, i was finally able to legally marry after i was 50!) partner as a second son and even added his name to our family trust because I’m now old enough that we have to also factor in if something happened to me (I’m 6 years older than my husband). This adult friendship and planning with my parents has enabled my husband and I to really focus on careers and amassing a modest nest egg because once my folks are gone, it will just be the two of us. We don’t have kids, so we know we will be buying our old-age care ourselves. I would say the key to all of it was being able to transition that parent-child relationship into true adult friendship early on was what has made the biggest difference. It allowed us to have real discussions about life and finances and also to make realistic plans that have held up, even after mom’s stroke and decline into dementia. Being adult friends who cared and supported each other made all the difference.
Critical_Purple_8600@reddit
That’s quite the story. (In a good way. Such a healthy dynamic. I hope I can be adult friends with my kids. My mom and I transitioned nicely to that. But not so much my dad).
FlippingPossum@reddit
Absolutely not. I don't want to live with my kids. They can live with me but I am way to stubborn to live with them. My friends and I plan to age gracefully and lean on each other. If mobility becomes on issue, I want to downsize and move to a walkable city with public transportation.
LilJourney@reddit
One of my mom's best gifts to me was her regularly communicating how she never wanted to live with any of us because we were entitled to our own homes without a parent being there.
That loving thought sustained me through the horrific times to come when her health and mental ability dramatically declined, we had to put her in a nursing home she hated, and vocally shredded us to ribbons. It wasn't really her talking - it was the dementia (total personality change) - but if she hadn't of been so clear for so long, the guilt would have destroyed me.
I certainly expect my adult kids to help me out when I can't help myself as easily anymore (changing a ceiling light bulb or helping decorate / cook for the holidays), but I certainly don't expect them to physically care for me or pay my bills.
devildoc8804hmcs@reddit
I planned for my later years and would never want to be a burden to my kids. I don't think it's a great plan to be irresponsible and hope/expect your kids to take on the physical, emotional, and financial burden of taking care of an elderly parent. However, even if people plan, there's absolutely nothing wrong with family helping family. Not as an expectation, but as a gesture of love. Families used to take care of each other. It can be as simple as ensuring bills get paid, medical needs are met, etc.
Nonetoobrightatall@reddit
No
JAFO-@reddit
My wife and I have always lived frugally and have no debt and a reasonable amount put away my wife has just retired. I don't know when I will, I like what I do and have my own small business.
I hope to leave our daughter and granddaughter a decent amount and our property.
Thank God she does not act selfish and entitled.
Open_Confidence_9349@reddit
Our son plans on never leaving, so I guess that won’t be an issue. Really though, our house is all set up for a senior because my mom moved in with us after she broke her ankle and stayed until she passed away. I expect we will just stay here and get care if needed. Hopefully, we won’t need round the clock care before we go. I’d hate to be a burden. I never thought of my mom that way. I loved having her here, my husband did too. Towards the end, she probably shouldn’t have lived alone and couldn’t breathe well enough to get around in public, but she could still get around the house okay.
formerretailwhore@reddit
No, we also have lost half our parents. I do help and go with my parent to listen and ask questions. An extra set of ears helps and different view point. But I do no drive care, I want them independent. They want to be independent
My kids, on the contrary, I suspect they will live with us long term.
I would love to see them launch, but its tough out there
(I am a younger gen x and all 3 are in college)
Nervous_Survey_7072@reddit
My kids see me helping my mom, who has Alzheimer’s. But she has an LTC and it more than covers her needs, so I am just her “coordinator” for everything. I don’t mind, although there were times before things settled to where they are now when it was extremely difficult. LTC companies don’t want to have to pay, and it took 18 months of denials and appeals before they did start paying. Fortunately she had the means to cover it herself.
My husband & I have good savings. Just being the “coordinator” for a parent is not that bad if it comes to that. Although I hope we can remain fully independent.
Nervous-Rooster7760@reddit
Absolutely not. It is not their responsibility and I have and continue to plan accordingly. I’d never be that burden on them. I will also not move my parents into my home. They have resources to move to assisted living and I will happily help them organize and eliminate belongings before they move.
Sergeant_Crunch@reddit
No, I don't. I'll be fine in retirement. I'm trying to make sure they have an inheritance that is useful to them.
Separate_Today_8781@reddit
No
FloridaWildflowerz@reddit
No, when I’m in my ‘80’s I’m going to be out playing pickleball, walking my dog, going to the gym, hiking, and traveling the world.
mushyspider@reddit
No. They make more than my family does, just off social security. They made four times what we make, when working. And now at 75 they have substantial debt.
Now is the time to figure out what you want to do (provide resources such as elder assistance program contacts, setting up uber and grocery delivery apps on their phones, etc).
I offered to let my parents and then in-laws move into my mother in law house and then all refused. Now my parents regret that, because it’s too late and someone else (who is kinder) is living there.
ms5h@reddit
Nope
Critical_Purple_8600@reddit
Not at all. My parents (born in late 1920s) lived independently and were financially secure. They didn’t give us house down payments or anything. They put anything towards grandchildren’s education but they DID take care of themselves. I expect to do the same. My 2 boomer siblings though ? They don’t seem to have planned well and are relying on inheritance for living expenses.
I’ve had a 401L since my 20s and DEFINITELY understood I needed to contribute to it. Maybe it was the expectation of pensions when they started working? I don’t know
zappyface1@reddit
I’ve been having to do things for myself since a very early age so I’m going to be going out that way. I have a big extended family but I learned at a very early age not to rely on any of them. My son is still at home and he knows how hard things are right now. I don’t plan or expect my son to care for me when I can’t. When I can’t care for myself anymore then that is when I want to be put out of my misery. Have me cremated then spread my ashes off the Jersey shore or any beach. That’s it! I don’t want a funeral, none of that shit!
Existing-Joke3994@reddit
You’ll need to put yourself out of your own misery, you can’t expect that someone else should carry that very heavy experience after you pass. Perhaps save enough to go to a country that will assist! Or maybe you already live in a state or country that does.
Mediocre-Seat1067@reddit
I’m GenX and in the process of planning my future. My health is a problem, am on disability, but I certainly don’t expect any of my three sons to look after me in old age. I didn’t inherit from my parents who died young(ish), but I hope I can leave a little something to my boys. But if I need that for my own care, so be it my plan is to be as little a burden as possible, right until the end. They have their own lives to live, and things aren’t easy for the younger generation.
I’ll make do ….it’s the GenX way.
Laura_in_Philly@reddit
My grandmother is 96 and refuses to believe she cannot live alone any longer despite having multiple physical ailments that make it all but impossible. My mom and her sisters try their best, but folks in their 70s also have limitations. I think it is tragic everyone is spending so much energy to support an unsustainable situation instead of finding a solution where grandma is safe and comfortable and the family has peace (money isn’t the issue here).
The only bright side is that this has enabled me and my mom to discuss lots of things about aging frankly. We will only be living together if everyone agrees this is the best solution at the time. Emotional manipulation makes for very poor outcomes.
FlippingPossum@reddit
My grandmother (90s) finally moved after a fall. She agreed in recovery then tried to back out once she was mobile again. It took my mom and aunt being form to get it done.
EggSpecial5748@reddit
No. All four of our kids are barely scraping by. We’ve built a nice life so they’ll all be ok once we’re gone. We have a trust to protect our assets so if long term care becomes necessary we won’t lose everything, but we also have an exit plan agreement should we not be able to take care of ourselves anymore.
dortvk@reddit
I am a GenX (68) parent of 3. It is not my kids’ responsibility to fund us as we age. We squirrel away plenty. My Greatest Gen parents all have healthy retirements and they won’t burden us, so why burden my kids?
DontHugMe73@reddit
I am genx. We have worked so hard and saved for retirement. We’ve been lucky no hardships have wiped us out, and neither of us wants our kids to have to do anything for us, but divide up what we leave behind. My daughter is a nurse and says she’s not going to let us go to a ‘home’ but I kinda look forward to it 😂
Oaken_beard@reddit
No, with the way the chips fell I already haven’t been able to save much for their future, so I’ll be damned if I become a burden for then
Ampersandbox@reddit
I am just curious: did your mom buy a mother-in-law house for her mom? Did your parents support their parents?
Had there ever been any conversation about expecting you to look after them?
I feel heartless observing this out loud, but it’s remarkably irresponsible that they expected this. Even carrying the credit card bill from month to month is a ridiculous cost. Last time I checked most credit cards have an 18% interest, carrying that month-to-month is insane.
Jynxsee@reddit
No, doing my best to make sure she doesn't have to do anything except decide on a nursing home if ever needed. Otherwise a nice inheritance.
zargreet@reddit
I know that if it was an emergency they would. However, I would not let them. I was a carer for my terminally ill dad and mum. I want my kids to be kids, not carers. There are people who are qualified and trained to do that. It is mentally and physically damaging.
Scimmia_bianca@reddit
I’m trying to set up my affairs so this never happens to my son. No. I don’t want him to sacrifice his life to care for me and my husband. I have no problem letting professionals do that. But that shit is expensive, so I’m saving as aggressively as I can. Also looking to relocate from USA to a country with a less exorbitant healthcare system.
x650r@reddit
Shop carefully. Most of the countries with ‘free’ healthcare don’t let you take advantage of a system you haven’t paid into. And the ones that do, heavily ration care for the elderly. It isn’t worthwhile treating someone who won’t be around much longer.
97Whaler@reddit
Don’t have kids. Hopefully a quick death before I get too frail to wipe my own ass!
OnehappyOwl44@reddit
My mother is extremely immature and wasteful. She's 72 and if it wasn't for her 2nd husband she'd be lost. She lives above her means and makes no effort to save. Both my sister and I have warned her that we won't be bailing her out. If her husband dies first she'll likely end up in supportive low income housing. I used to wonder how the elderly end up homeless but honestly some of them burn all their bridges and refuse to take any advice until it's too late. It's sad but it's the reality for many families.
walter_grimsley@reddit
Living this now- we put Dad in a facility, two weeks later Mom fell and is now in another facility. Its a nightmare. I’m a 48yo male, no siblings. I have my own unhealthy child to care for and I am the sole breadwinner in my household. They should have had a daughter.
I’m not supporting them financially but the physical and mental toll of this is too much. Ive never seen someone attended by so many doctors yet never improve. I don’t know how much more of this I can take. Additionally Mom has main character syndrome and untreated BPD, and can turn from a sweet old lady to a goddamn rabid honey badger in an instant. It’s exhausting.
Best gift a parent can give a child is to simply get sick and pass right before the true shitshow of advanced age takes over. Soon as I can’t wipe my own ass anymore, bottle of sleeping pills
Ymisoqt420@reddit
A daughter??? Because women are responsible for taking care of everybody????????
sebthelodge@reddit
Respectfully, what do you mean by “they should have had a daughter”?
Potential_Stomach_10@reddit
Nope
Turbulent-Mango6569@reddit
I do not, but my parents did to an extent. They planned very poorly and if my mom had not died when she did she would have run out of money. At least she had a small pension. My father died of Parkinson’s before the financial situation for them became dire. I will not let this happen to my children.
bibdrums@reddit
I did a lot of stuff around my mother’s house for her when she needed but she never needed money from me. In fact she was able to help me out a few times and my parents were not anywhere near rich. Both my parents died fairly young though at 54 and 68. But I was begging my mother to move in with us and I think she would have lived longer if she did and I miss both of them terribly.
notguiltybrewing@reddit
No kids. I wouldn't have expected much anyway. I did all of that for my parents. My siblings would not and did not help. At least my parents were financially independent, they died with a small amount of money in the bank. Healthcare was a nightmare, both were in bad shape and couldn't drive anymore. I guess I'm fucked.
FL_4LF@reddit
I only wish to be assisted if my health is in decline, but they don't have to help 24/7 if that makes any sense. But I don't expect them to help me financially, or any other matter.
Annies231@reddit
No way. I took care of my mom and I would never wish that on my son.
yarnhooksbooks@reddit
Nah. I’ll pay for help if I can afford it, and if I can’t physically and financially care for myself I’ll quietly take my leave.
redditor7691@reddit
No. I expect we are on our own to care for ourselves into old age. We took care of our moms until they passed — one in our house and one in a nearby home whose rent we paid. I do not expect that from any of my three kids — two of whom have gone no-contact. I’m glad I took care of my mom until the end. I was there holding her hand when she took her last breath. I was in my MIL’s room at my house everyday for two weeks of hospice until she passed. I was one of the last people she hugged. There was a good deal of effort required in caring for my loved ones. That may have been a burden but they never were.
Whodean@reddit
Whatever they need
JEG1980s@reddit
No, my grandparents provided for themselves in old age, my parents provide for themselves in old age and I plan to do the same. Why would anyone expect their children to support them? Of course we help them when we can, understanding they are on a fixed income now. But that comes in the form of paying for dinner if we go out. Or going and visiting them and helping with projects around the house if they need. Not having them move in.
I’d rather prepare for my own retirement and enjoy time with my family in my golden years, not being a burden on them.
ComprehensiveAd8815@reddit
Shit! I forgot to have kids! It’s all on me I guess!
NewRecommendation287@reddit
I plan to take myself out before I am unable to care for myself either physically or financially.
I want to be cremated and spread in a place I love.
No showing, no funeral, no obituary. As my father put it, "its nobody's business I'm dead".
BigLoveForNoodles@reddit
Hell no. But my wife and I have been very lucky in how we’ve been employed over the last couple of decades, and our kid is incredibly talented… but is a pro musician. There’s no way.
Parker_Barker_III@reddit
No. When I turned 50 I bought a long term care policy and told my kids that they are to absolutely use it when the time comes.
I am trying to set things up so that they are administrators only, never having to support me financially.
Whole_Craft_1106@reddit
I’m curious how much that runs you.
proser12345@reddit
Not op but my husband and I each have a LTC policy.
They were purchased at different times so the policy terms are different…and he was much younger when we bought his, so his rates are lower (with a better policy too).
There are many factors that play into the pricing.
We currently pay 3-5000 year but the potential monthly payout increases some. At any time we could convert it to a policy where the benefits don’t increase (to keep up with inflation) but our annual pmt would no longer increase either.
It’s not cheap but if either of us ever need LTC it will be invaluable.
Currently-monthly payout benefits are approx 7-10 k
Parker_Barker_III@reddit
It is about $5k a year. It covers home health and nursing home care. And I believe that there’s some inflation built into the costs paid in the future, so the kids won’t have to pay the difference between 2023 care costs and whatever it costs when I need care in whatever year.
It’s a lot. But $5k a year so that my kids don’t have to pay in excess of that a month when I’m old is good, in my mind. It gets figured out.
KatintheCove@reddit
Nope, I will die before that happens. Conversely, I took my parents in and they lived with me for years and my mom resented every minute of it.
ItsRedditThyme@reddit
That was terrible of your mother to assume that. Personally, I'm hoping to die before becoming a burden on my kids. I want a long life, but not at that expense. If I'm a burden on them, my quality of life would likely already suck. I don't want to live like that, and I won't do that to them. Now, I'm not talking about occasionally needing help. That's not too much to ask for. But to be supported by them? Eff that. That'll never happen. (Both because I'm not sure they'll be able to, and I think it's immoral.)
ScienceWasLove@reddit
My parents (mid-70's) have a pair of home and my dad's teamsters pension.
We (late 40's) have an almost paid off home, $2,00,000+ in retirement accounts, and my teacher pension (in 5 years).
I look forward to helping my kids/grandkids as build a family, but I also look forward to enjoying my retirement.
CurrentFew6275@reddit
I don't expect our son nor DIL to take care of the hubby and I (I wouldn't want them to) We luckily have long term care insurance and decent retirement accounts.
She_Wolf_0915@reddit
GenX wouldn’t typically expect that, however my youngest daughter already talks about me moving onto her property in old age and taking care of her kids. I’m 51/ she 20.. Which I think is so cute. I adore both of my daughters. If anything I’m at risk of shattering her vision LoL but I’d love nothing more.
ShockedNChagrinned@reddit
I hope not. I hope I dont ever put my child in that position.
Dull_Conversation669@reddit
Hopefully i will be dead before needing assistance.
Important_Bit_1826@reddit
What you’re saying is sad. I love my parents and I’ll do whatever they need to support them as they did for me
Whole_Craft_1106@reddit
You’re lucky. Plenty of us had parents that definitely didn’t support us like that.
depressed_momo@reddit
Here is the reality how I see it. As a GenX that came from a not wealthy family. We grew up paycheck to paycheck. I never had plans to live that way at all. But life has ways of changing things you have planned. Not everyone can plan for retirement or have a job that has a pension. 401k’s unless you can keep that job for a long time don’t add either to last depending on when you retire. Now GenX was the live rough generation so who knows if we will live long enough for a care home. Care homes unless you had a good pension and 401k will be all but taken in a good one that treats you right. My dil had her mother in one while she was ill and after her father passed and it was costing her and her sister 3000.00 a month with her SSI. They had to find one cheaper cause it was draining her money left by her husband life insurance. The cheaper one was awful. She gave up on life after that. My parents were trauma due to alcoholism and their drama abuse. I still took care of them because I was not going to let them ever be homeless, or hurt. And because of it feeling were healed with my father before he passed. With my mother still alive I had a whole new outlook on her also. So just remember the costs, and nothing lasts forever.
ZetaWMo4@reddit
Not at all. I plan on being as independent as possible as long as I can and then hire people to help me if I need it. I want my kids to live their lives and come around because they want to spend time with me. I don’t want them feeling obligated to care for me.
Tricky-You4565@reddit
I don't expect my children to do anything. They're adults, and they live their lives according to their morals. They don't owe, there isn't a bill, no invoice. They do because they want to do. They do because they love me, and my wife. That's it.
It sounds like you need to seek a financial counselor. But It doesn't sound that you're too concerned about their passing. You're more worried about what will befall you when they're gone. If you don't want to assist your parents as they age, that's completely up to you. Not every child and parent has a good relationship. But as far as owing, or it's your moral duty, or whatever. Look, you can do exactly how you please. You're an adult who can make decisions. You can do what you think is right.
I can tell you this: not in my house. I know my children would want to at least be involved. Not take the burden on themselves, But at least help.
emryldmyst@reddit
NO
Hell no.
jacknbarneysmom@reddit
Good for you!
_flowerfox@reddit
If you aren't listed as a primary card holder or co-signer on her cc accounts, you aren't legally obligated to pay them.
momhh434444@reddit
I do NOT want my kids to take care of me and I hope it never comes to that. I think as Gen X we have really been handed a bad deal. On one hand we didn’t get any help from our parents but our sense of obligation, and not wanting to treat our kids the way we were treated, made us help our kids get on their feet. Consequently, we have less saved for ourselves and still expect that we will take care of ourselves. It’s a lot of financial and emotional stress.
jderflinger@reddit
Very well said.
boulevardpaleale@reddit
I’d rather jump off a cliff than be a burden to my kid. At 57, I can already tell I am not going to be able to handle ‘old age’ very well.
absherlock@reddit
We're Gen X - we don't expect anything from anyone.
That being said, if you don't owe your parents anything, why do you still have them in your life? Just be the big man that you are and cut the cord.
SwimmingArm765@reddit
No, of course not. If anything the opposite. We hope to pass down money to our kids, and likely will if we play our cards right. I have a LTC policy. DH didn’t qualify but I would hope we could cash flow his care if needed. (Knock wood it won’t be needed.)
Fishfry12@reddit
I consider it an honor to have been able to help care for my folks up until they passed but it was a lot of stress and I’d prefer not to have to do that to my kids. But life is a crazy rollercoaster and the world is a mess so who knows at this point
momhh434444@reddit
This
Positive-Froyo-1732@reddit
My greatest fear is living to my 80s. I just want to die before I consume the modest estate I plan to leave my child.
ponchoacademy@reddit
Absolultey not.. my mom thought I was her retirement plan and demanded it was time for me to let her move in with me and take care of her. I told her if I took care of her the way she took care of me Id end up in jail. Besides that, I was a struggling single mom busting my butt to take care of my own kid, even if I wanted to I couldnt financially support her. That was 20 years ago and shes still working and taking care of herself, even bought herself a condo. I still have yet to buy any property, like eff all that shes fine lol
As for me as a parent, the whole reason I busted my butt is so my kid could have a way better childhood, and go on to have a much better start in life to live out his best life possible, and I dont feel that includes stressing over how to take care of me. He actually wants to and has brought it up, and hes very aware I want zero part in him putting his own life and dreams on hold for me. Hes out doing amazing things, and to me that was the point, thats what I want for him to do.
So now, I'm busting my butt to make sure he doesn't have to worry about me.
momhh434444@reddit
Wow, that’s crazy. Good for you for sticking up for yourself.
jacknbarneysmom@reddit
I would never expect help from my son. I never want to be a burden to him. I am financially responsible and independent. When/ if I am not able to be independent, its time to go.
Aamrie69@reddit
Gen X( 56) I thought I would be better off from where I am now. End up with some major health issues and currently living with my parents... I'm taking care of them and my son (who lives with my parents too) is watching over me...
With the way the economy is, it's better for us to stay here. My son is getting the property when my parents pass... which will piss off everyone else but ah well
Kennikend@reddit
Multigenerational living is so good for the soul if possible/comfortable enough. While I am sorry and relate to the major health issues, I’m glad y’all have each other.
Aamrie69@reddit
We have the days where we want to kill each other but it's not as bad as it could be
Kennikend@reddit
Yes- that’s what real community is. Annoying but worth it 😂
CWShermanGirl@reddit
Short answer is no. Ours attempted to help his grandparents already and it didn’t end well. He already said he will just put us in a “home” as a sarcastic response based on the experience with grandparents. I wouldn’t have expected it anyways. If he wants to help us with getting us to appointments then okay. If not, also okay because it’s not his responsibility.
SouthOrlandoFather@reddit
Money only goes down a generation. It doesn’t go up.
RedHarleyQuinn@reddit
Nope. I will plan my exit strategy and leave the world on my terms if at all possible. I never want to live in a nursing home. Happy to have some home aides help me maintain independence but I will never be a burden on my children, even if they don’t view me as one.
Timely_Ad2614@reddit
Hooe you have a huge savungs account. My uncle has a rare terminal brain disease PSP and has medicare, private insurance and VA services and getting coverage for anything is a nightmare and not much !!
RedHarleyQuinn@reddit
That’s where the whole “exit strategy and leave the world on my terms” comes in. I also do not plan to die a long, slow, painful death. I plan to leave on my terms when I choose if I’m ever deemed terminal or if I’m ever diagnosed with Alzheimer’s.
RedHarleyQuinn@reddit
Also - @BloodyBarbieBrains (I got your comment in my inbox but it’s not showing here - weird!):
You’re right - Things could happen that leave me incapacitated before I could take my exit, but I have and will take every precaution to take it on my terms. Most people don’t just wake up with Alzheimer’s and can’t function. It’s a deteriorating disease that gradually robs you of yourself. If I get to the point where I’m diagnosed or even think it’s likely, that’s my exit.
I have a detailed HCPOA with instructions to withhold nutrition and hydration and to push comfort meds if I am incapacitated with no hope to resume reasonable quality of life. My kids are aware of my wishes and wisely choose to support me. I’ve threatened to haunt them if they put me in a nursing home.
Nope, can’t plan for every possibility, but I have taken every possible precaution and planning measure to ensure I do not linger in a shell of a body in some dismal nursing home or die a slow and painful death. That’s the best I can do.
BloodyBarbieBrains@reddit
Asking sincerely: what makes you think you’ll even be aware enough to know if you’ve been diagnosed with Alzheimer’s? That’s why when people talk about an exit strategy, it’s just not realistic. If you really have an exit strategy, you actually have to institute that strategy BEFORE you even get sick when you’re old. The reality of old age often means that you won’t even be able to implement your supposed exit strategy by the time the old age bullshit actually hits you. You’ll likely be mentally or physically, unable, or both, to implement the exit plan when you need it. And if you’re still enjoying life, you’re unlikely to implement the exit plan before you need it. That’s why I just don’t think it’s realistic when people claim these exit plans about their old age.
techlacroix@reddit
Well, the good thing about being Gen X is there is a very good chance that the parent was super abusive lol, so do what you can, find free local resources for them and help them as much as your heart feels is needed. I had the opposite problem, my dad didn’t want to burden me so desperately that he put himself in bad situations I had to help with and I wish he had just asked for help. When he did I helped because he wasn’t ever horrible to me. My mom was so difficult in the old folks home they took a screwdriver to her call button and completely destroyed it while she wasn’t in her room. Basically my take is let them have the retirement they deserve with the help you can give. If the love isn’t there due to them being fucking horrible then, well, sorry, did my best.
IHoppo@reddit
I'm a gen-x just like your Mum, but 2 years younger. Luckily I live in the UK, where we have the amazing NHS. It's not perfect, but conversations like this have far more hope attached. Being a Gen-X British person I also had a free education and got a great job so I can afford to look after my parents, my in-laws, my wife and I, and also expect to leave an inheritance to my 3 children. By "look after" I mean emotionally, as the NHS will see to their healthcare needs.
crankgirl@reddit
Old age often requires social care as well as healthcare and that quite frequently has to be paid for even in the UK.
IHoppo@reddit
True. That can be a postcode lottery - some councils allow you to add to their monetary offering, some make you pay the whole amount if you chose a place which costs over it.
Fozzyfox6747@reddit
Absolutely not.
My father is silent generation (born 1939) and fully expected me to be his retirement plan. I did step in when I realized he was losing his executive abilities (had power turned off and massive water bill due to a leak) and supported him financially and was basically his business manager for the better part of a decade. I told him when I started this, that I was going to help him out of the mess he created, but I'm not an open checkbook, and will drop all this on him if he makes any other bad decisions.
Que him finding a lady friend and then getting married and not telling me about it for six months, not even saying a word when I went to visit him (he lives halfway across America from me). I figured it out when his car was finally paid off and I wanted to sell it to help give him a financial cushion.
That was the last day I spoke with him and it's been nearly 18 months ago. He's always been self centered and narcissistic, but I took care of him because of a sense of duty. Having him in my life was always stressful and having him out of my life is infinitely better.
Having lived though all that, I have no expectations for my child to take care of me. I'm fortunate to have a military pension and healthcare (retired Army), so most of the big things are covered. I'm also in the process of writing a "Incase of emergency look here" book, and I'm redesigning all my financial stuff to make it easier for my wife and son if I pass first.
As a Gen Xer, I've always had to be self reliant, and don't see that changing into old age. But I am trying to lessen the burden for those I leave behind. How very Gen X of me...
StereotypicallBarbie@reddit
I’m not in the US but my children won’t be supporting me… I’ve got savings, I’m Not frivolous (much) and I do ok in my career.
My son is 22 and living here rent free while he saves.. because the world we live in is financially crippling for young people. I feel bad for them.. I moved out at 18 into my own flat on a low paid wage and did just fine. That would be impossible to do today.
I grew up poor and my mother struggled with 4 kids as a mostly single parent.. that woman wouldn’t take a penny off any of us! I remember getting my first job and i couldnt wait to be able to help her out by paying towards the household. I did that for 2 years and she’d saved every penny and gave me it back when i moved into my first flat.
When it was time for her funeral I was ready to just pay the full bill.. and would have done so without even thinking about it. But it turned out she’d put away money for that too! I don’t know how she did it, because she lived on a basic pension for years. But her quest to never financially burden her children was admirable. She’d scrimped and saved all her life.. and was careful with money, never getting into debt and I think that rubbed off on all of us..
I do have debt.. doesn’t everyone? but it won’t be around for my children to take care of.
JenLiv36@reddit
Absolutely no! It’s not my child’s responsibility to ever take care of me. He will probably fight me on it bless him, but there is no way he gives up any part of his life to care for me.
It’s my job to get as much of that as possible worked out, and plans in place for different scary circumstances. I’m not doing that to him.
Caretaking is so hard and it’s not for everyone. I would never want that for him or for me to be honest.
Littleleicesterfoxy@reddit
Fucking no, if get diagnosed with dementia or something that makes me absolutely dependent I’m going off a fucking cliff.
Mirror-Lake@reddit
No!! I want them to watch out for each other when we are gone, but no, I’ll live on my own and die that way when it’s time. I’m planning to go in my sleep in my late 90’s.
Big-Account3498@reddit
Me three!
reverievt@reddit
From your mouth to God’s ear.
Me too.
Chiccheshirechick@reddit
Absolutely NOT.
shit-Helicopter@reddit
When my parents retired I recommend to file chapter 7. All they had was a pension and ss and it was the best decision they made...fuck credit card companies.
SweaterSteve1966@reddit
I told my kids to put me in a home. I don’t want to ever be a burden to them. I want them to enjoy life and not have to take care of an old man. I help my kids every chance I get. Everything is expensive and I have a good job. I don’t expect or want them to give up their lives to take care of me.
BooRadleysreddit@reddit
Same here. I've repeatedly told my kid to put me, my wife or both of us in a home if it comes to that.
Rocketjen@reddit
I’m going through this with my father in law and my mother. My father in law is in assisted living. My husband takes care of everything for him because his out of town siblings don’t care. My mom has been living with us for several years. I’ve given her a significant amount of money over those years. She does help out around the house and driving kids to school, but she also lives rent and utilities free.
I don’t expect my kids to take care of me. We are planning for our retirement and it includes money for a care center, whatever is needed as we get older. Would it be nice, yes. Do I think they will? Nope.
zeus64068@reddit
I'll be lucky if they remember who I am.
Automatic_Gas9019@reddit
Not your obligation to pay for them. However, don't be like another person on a sub crying about their parents not leaving the house, and inheritance to them. You know up front there isn't one.
Fr4nzJosef@reddit
I'll do what I can when the time comes despite their claims that they don't want to be a burden and can handle it. Unfortunately, while I'm doing alright overall, I'm certainly not in any way wealthy so I'm rather limited.
mps_1969@reddit
My mom's a boomer I she got dementia and we could not care for her in our small home and still keep working so we had to put her in memory care . I'm hoping to die naturally before I need to go in one esp since we had no kids .
CallMeSisyphus@reddit
Fuck no! Not only do I not expect it, I won't allow it.
I grew up not quite dirt poor, but not far from it. With a lot of hard work and a whole lotta luck, I'm in pretty good shape now. What meager "estate" I've put together represents the closest thing to generational wealth in my family since the Great Depression. That money is not for the medical-industrial complex, it's for my kid.
If I can't live independently, I'm taking myself out. My son's life is HIS to live. I'm not going to let him sacrifice that for me.
Whiskywheeler@reddit
Man, I totally feel you on this. I just stated the same thing. I’m probably the most well off of my family back several generations and I had to care for a mother and mother in law with one well into her 90’s with dementia. There is no fucking way I’m putting my kids through that nightmare. If I can’t take care of myself I’ll take a long drive off of a short cliff before I become a burden to them.
Hobobo2024@reddit
I think AI and robots will be there in the future. One good thing about them even if thry take away too many obs.
Gold_Comparison1745@reddit
Hey I would probably do the same to save my kids the burden, but I couldn’t just do that to my moms and pops. I just couldn’t. R.I.P. Momma.
scannerhawk@reddit
No, and I hope there is some inheritance left for them after all is said and done.
Most people don't realize that Medicare doesn't cover "the Home" they plan to put their parents in. If the parent has any financial assets, those will pay the average 8k a month and when thats all gone, Medicaid will cover, when the parent dies, Medicaid sells the home to recover costs. So if both parents are tossed into a home when they can no longer care for themselves, you're looking at 100k a year each person, and that is now, no telling the cost in 10 or 20 years. *IF there is enough beds available to take them. When my mother-in-law's Alzheimer's got so bad we had to take care of her in our home, there was a 9 month waiting list for a bed in a memory care facility and that was 9 years ago.
We have to keep in mind that one in every 5 women, and one out of every 10 men will develop Alzheimer's, and that is the reality of life after 65.
Thatstealthygal@reddit
I don't have kids. I'm doing a lot of stuff for my mother right now. It's exhausting and giving me hypertension but she needs it.
It's just the way it is. I don't grudge it, though it's very stressful.
I would like to think my friends with kids will similarly be cared for when we are ancient.
BloodyBarbieBrains@reddit
Gen X-er here without kids, but I do have aging parents and will answer based on that. I know for a fact that my parents do not expect me to take care of them and don’t want me to take care of them, because they have said they don’t want me to be burdened. However, I WILL take care of them as much as I can for as long as I realistically can. They are imperfect people who have overall been great parents and softened many of the blows life has dealt me. I watched them slave away at work, watched them care for their folks, and watched them get dealt blows, too, even though they planned and saved as much as they could. Life’s unplanned BS can mean it’s never enough, though.
And yes, it is a moral obligation to be good in turn when people have been good to me, even when those people tell me I owed them nothing. It’s not about the owing; it’s about the KINDNESS. If I don’t feel inspired to be kind after experiencing kindness myself, then what is the fucking point of even living in this world surrounded by other people?
Secure_Frosting_8600@reddit
Unless something drastic changes with my children’s mindsets- no way I could ever rely on them to take care of me. I can’t even get them to pick me up from the ER when I was injured.
AlmiranteCrujido@reddit
Basically, over my dead body. The finances I'm not worried about; if I didn't have tuition bills for my kids I could retire now.
But having seen what my mom's alzheimers did to my brothers living near her (I was safely on the other coast) - shingles in your early 30s ain't pretty..
If my brain starts to rot out I'm not going to put anyone else through that - not my wife and certainly not my kids.
Then again, I've already outlived my dad and figure I'm on borrowed time already. Odds of living long enough to get the brain rot rather than going out from a heart attack or the big C seems pretty unlikely.
On that last point, I know we always have thread about that but if you haven't yet get your dang colonoscopy. Literally everyone in our generation is now old enough they should start (and then follow your doctor's recommendation for repeats - I had enough polyps removed each time that I'm not on the "every 3 years" plan.)
RealityDependency@reddit
Why are you presenting your inquiry specifically to a Gen X audience when you are a Millennial? I am honestly curious about your reasoning.
glueintheworld@reddit
Because he is asking Gen X parents if they are expecting to be supported. His parents or at least Mom is Gen X.
RealityDependency@reddit
I understood that. I just didn't understand why they wouldn't present the topic to peers because they would have shared experiences and concerns.
glueintheworld@reddit
Their peers can't answer for us. He is asking US do WE expect to be supported.
RealityDependency@reddit
Understood. ✌️
Gloomy_Plastic572@reddit
Probably 'cos they are GenX ?
RealityDependency@reddit
I guess so. I wouldn't be inclined to discuss a generational concern with people of a different generation is all. Definately no malice intended by my question.
Responsible-Middle35@reddit
No.
Krickett72@reddit
So as for my parents. They have money to take care of themselves. However if my stepfather dies first I don't think my mom will like being on her own. I would want her to live with my husband and myself so we could take care if her. Same for his mother. My father passed almost 30 years ago. As for my son, I do not expect him to take care of me. He lives on the other side of the country and has his own life.
Caine815@reddit
No. Expect nothing, appreciate everything.
Outside_Ad1669@reddit
I see that the dark cynicism had not left my generation. Sheesh people, are you really gonna just off yourself before you have to actually admit you need help. Lol
wanderingdev@reddit
For me it's not about admitting I need help or even needing the help. It's about quality of life. Why keep living a shitty life you hate just because you medically can? If my life is going to suck, I'll pull the plug because I don't do things that make me miserable
Outside_Ad1669@reddit
I can already see this will be a lifelong negotiation Ah my quality is still pretty good so wth, lets go for another year Before you know it, you are 85 with dementia and totally forgot that you were gonna pull the plug 🤣
wanderingdev@reddit
Thankfully I'm pretty pragmatic, but I can see where that could happen.
HmmDoesItMakeSense@reddit
No no kids. Haven’t decided on death yet.
FamsForester@reddit
If our kids still live in my house - then I will definitely expect some perks.
rogueconstant77@reddit
My parents never helped me financially when I needed it, they spent all little free money they had on my sister and her endless vanity projects.
This taught me to be my own man and be independent.
Now they refuse to get any financial help from me although they need it and I can afford it.
Not sure how it will go with my own kids but I have my savings for this reason.
Kind-Tooth638@reddit
My parents never made it to their 80s - i would have loved to have supported them and have had them around.
My husband and I have plans to not be a burden on our kids. They plan to immigrate and spread their wings - we encourage them to reach their full potential. If they want us around that would be awesome. I concentrate on my health and lift weights so I can be independent for as long as possible.
Looking forward to sharing an old age home with other GenX'ers - we are awesome people.
lissabeth777@reddit
I look at it this way, if you truly supported me and were there for the big and small moments, yes, I will take care of my mom, my step dad, and my amazing MIL. We are actually planning on moving so we have enough room to have her live with us in about a year or so.
My bio dad checked out before I got to Jr high school, so he's on his own. Too bad he's broke, going blind, and had both knees, both hips, and a broken wrist and recovered on his own. He's a big boy that needs to be the adult in the room.
EveryMemory41@reddit
Own_Elderberry6812@reddit
No!!!!
Old-Set78@reddit
My Dad with dementia moved in with my husband and I and we took care of him for the last 5 years of his life.
We fully expect that if our Moms need us we would do the same.
But we don’t expect our kid to care for us. Our kid has enough to worry about.
Fit-Yogurtcloset3023@reddit
Just don’t do it. Boundaries yo
Zardoz__@reddit
God no. After taking care of my dad, I'm not putting them through that. Pretty easy to check out
Fatenoir@reddit
Honestly my 79yo mom is paying my rent rn, so, yeah. I'm an only child, no kids, my father long dead, mom just reminds me I'm spending my inheritance early and we're both okay w that.
Brinbrain@reddit
Oh oh oh, no…
Somone-Who-Isnt-Me@reddit
No
Upper_Guava5067@reddit
Being 59 and still having my adult daughter living with me, no way an adult child should feel obliged to support their aging parent. However, it is nice to have someone close by. I am trying very hard to get my debt(except student loans) completely eliminated by the time I retire. It really depends on how the parent is health wise. I mean, the western culture is the only culture that doesn't honor and respect the elderly. The elderly normally lives with family until they pass. After seeing my mother suffer in a nursing home and eating the crap food those places serve...screw that. It is really a horrible place for the elderly to live. Unless they can live in an ultra luxury living facility, which costs 1 million a year.
meeme1234@reddit
I hope she helps with the bills do you can pay down your debt.
ElleGeeAitch@reddit
My newly minted 17 year old has been saying for years that he will move out when he's 35. I'll be 70 that year. He's also said that while he has no plans to leave our general area, if he does, he's taking me with him. I don't EXPECT him to take care of me if I get to be old, but I think he will. My only wish would be to drop dead before I'm a miserable burden.
pjtexas1@reddit
Never gonna happen. We're fully prepared to pay for ourselves. Hope to leave our 2 daughters and granddaughter a decent inheritance and a paid off house. The correct thing is to leave your kids more than yours left you. We're also prepared to help them in anyway possible. That's how it should be.
meeme1234@reddit
Actually the correct way is to help if you can.
Potential-Drama-7455@reddit
That wasn't the full question though. OP doesn't want to do anything to help her parents when they are older. You won't always be able to do everything yourself.
TheOtherElbieKay@reddit
I hope / expect that they will advocate for my medical care if I am unable to do so.
I intend to have my financial situation handled.
molotavcocktail@reddit
When my father was at the end of his time I placed him in care near me and im so glad. His passing was the most sacred moment. I look back on it w happiness because I got to be there as he made the great leap.
NaDarach@reddit
What a beautiful sentiment. Your comment gave me much-needed light at the end of a horrible day.
molotavcocktail@reddit
That is great to hear.
cvaldez74@reddit
I don’t expect them to, but I hope they want to help care for me when it’s time. At a minimum, I would like to live near one or more of them who can take me to appointments and maybe out for entertainment purposes when I’m no longer able to drive. But if they choose not to, I will be able to afford assisted living when I need it.
OTF98121@reddit
I’m already at that point and I’m only 53. I don’t expect my only child (33M) to support me financially, but he voluntarily moved back in with me to help me however he could. I’m grateful to have a son who loves me enough that he wants to help.
opaville@reddit
No. We aren't going to be supporting any of our parents and won't be expecting the same of our kids either. We did a good job of saving for retirement.
Poultrygeist74@reddit
No kids, no spouse. The neighbors will find me when I start to stink up the house, they can divvy up all my stuff.
tpauly0225@reddit
Hell no
JSilvertop@reddit
I cared for my mom until she passed in my home. My dad moved to another country, and passed away there. FYI, can’t start probate in this country when you pass in another country without someone there starting it for you.
I’m hoping at least one kid cares for us, but we plan to retire in place until we need living assistance. Haven’t talked about plans then. Don’t know if the kids will be able to support us at that point the way they are headed. It may be a mutual aid thing by then. Hard to say.
crystalfairie@reddit
It's just me and mum in our family and we live together at the moment. We are both disabled and we worry all the time, what will happen? But,we are this close to destitute so money is non-existent. We are not allowed more than two thousand dollars(us) a month Without losing everything. Can't afford to get a new identification card cause I have no money. I can't support myself let alone anyone else.
eastbaypluviophile@reddit
No kids to burden thankfully. I’ve planned for retirement and also fell up in a few ways. I have a pension and lifetime medical care- medical bankruptcy will never be a thing for me. If the day comes when I can no longer care for myself, I will orchestrate a dignified exit. I’ll never go to a nursing home - not after seeing what my mother went through and they’re only getting worse.
PsychicRutabaga@reddit
My parents passed in their 90s just 10 months apart in 2023 and 2024. They didn't let me help financially (dad was too proud), but I was on a flight whenever they needed me. I was actually more available to help than either of my brothers who lived in town with them. While I didn't contribute financially, Dad eventually let me assist them with coordinating things like Medicaid, health care services, allowed me power of attorney to help manage their finances when it became a burden to dad and so forth. I was on a first name basis with their care team. This was a good thing because my mother especially needed it after he passed. I was honored to do anything I could for them, and that coordinated most things remotely from home.
I believe my wife and I will be ok and can maybe leave a little for our kids to inherit. I've told my kids if I get dementia or too old care for myself, I'm fine if they need to put me in a "home". Just make sure I have Skyrim and a clean diaper. Heck, if I get dementia, each day will be replaying Skyrim for the first time again!
Komaisnotsalty@reddit
Nope. Not their job. Assigning them that responsibility at birth is just cruel.
Honest_Road17@reddit
I never had kids, so I'll likely just go to Oregon and get it over with when it gets that bad.
GoldaV123@reddit
I have only one child (currently about halfway through high school) and I have already told him that he is not responsible for me, not now, not ever.
We have a clearly defined will and fully paid off property and my husband and I sure plan to leave it to him fully paid off so he can sell it or do whatever he wants with it. I do not want my son to go through the absolute pitiful shitshow and financial disaster my parents left for me to clean up after them.
Senior_Ad1737@reddit
It depends if your family taught you a sense of duty and respect to elders , enough to ensure an end of life in dignity or not
MienaLovesCats@reddit
Fyi... even if taught that; not everyone's capable of it. Our two children; are special needs.
snap_pea23@reddit
Caring for parents is admirable I think but it is so hard on the caregiver. I watched my brother-in-law lose his mind even though we helped some. He refused to put his dad in a home or take more help. I think it might have been better for everyone if he had gone to a home. That being said I love my mom and do want to take care of her.
Impossible_Jury5483@reddit
I forgot to have kids.
Arvid38@reddit
This made me laugh 🤣 because I forgot to have kids too 😅
SuicidalApendices@reddit
I love mine more than anything. But frankly? Good move on your part.
featherzz@reddit
Same. I guess we are screwed. heh. :)
MienaLovesCats@reddit
No! Because our two children are both special needs. They will never be fully independent themselves. Thankfully they are currently high- functioning enough; to help us with chores; things that are hard for me to do when my back is sore.
Potential-Drama-7455@reddit
No I don't - not financially, but I'd be pretty pissed with them if they didn't help out in any way they could if they lived nearby.
I'm not US though.
Arvid38@reddit
I don’t have kids but I took care of both of my parents and have zero regrets. Was the least I could do for raising me ❤️.
First-Stress-9893@reddit
100% no way. We are saving and investing so hopefully we won’t be a burden on our children as we age and are trying to plan for an inheritance for them as well.
RefugeefromSAforums@reddit
I'm 58. My 81 year old father has advanced Parkinson's. I have destroyed my health and sanity and nearly my marriage trying to care for him these past 6 years. I will put a bullet in my brain before I do that to my children.
ElleGeeAitch@reddit
Oooof, I'm sorry.
mltrout715@reddit
I don’t expect my children to take care of me. I will live in a fan down by the river before I let that happen
Xorm01@reddit
In the fan you say…
mltrout715@reddit
Stupid tiny phone keyboard. Van by the river.
Xorm01@reddit
Awww. I was intrigued. Thought maybe you had a way to get electricity, and the freedom that may entail.
ElleGeeAitch@reddit
Not a van down by the river 🤣.
Grizzle_prizzle37@reddit
Not really. It’s more of a cultural thing that we take care of our kids (even adult ones), if they need it, and they take care of their parents, if need be.
Outrageous_Plum5348@reddit
No effing way.
JaBe68@reddit
My parents planned meticulously for their retirement. They were determined to be independent. But they did not foresee living well into their 90s and outliving their funds. I moved countries to ensure that I will be funded in retirement (state pension) and not be a burden on my daughter.
SAGirl1@reddit
This is a you issue with your parents.
HammerMeUp@reddit
I barely talk to my mom. Her and my sister talk daily. My sister can have that pleasure.
Reader47b@reddit
Expect? No. Hope? Yes. I hope if for some reason my planning fails, and I outlast my funds, my kids will love me enough to take me in.
Sh3llyP@reddit
I (46f) tell my 21yr old son he better buy property so I can build an inlaw house, and move in after his dad passes. I will cook, clean, garden, watch the grandkids (if he has any). He laughs, says hes putting me in a home. I remind him, he still lives at home with us, and it will be the same things except i will have my own space. I dont want to be a burden. I took care of both my grandmother and mom when their health deteriorated. Its not his responsibility to provide for me as I age, unless he wants to. Ive been preparing for retirement for 20ish years now I have a 401k & pension through work. Both hubs and I have life insurance to help the other if anything happens We live below ourmeans, and other than our mortgage, and the hubs new car, we are debt free as of last year. Both of us bust our asses, make sacrifices (wants vs needs) to have these things, and to be financially stable in our future - i didnt get an inheritance from my mom. We are not expecting anything from his parents - it's theirs, not ours.
lastbeat-331@reddit
My kids are teens and I'm divorced. I've already told my kids that if/when I get sick or old and need help, they're to spend my money for outside help rather than sacrifice their careers and lives to be day-to-day caregivers. I expect they will be involved and make bigger decisions when I can't. My boomer parents provided limited financial support to my grandparents. My parents are in good shape financially so I expect to only provide physical caregiving which has just started.
Fun_Independent_7529@reddit
We are doing everything we can to financially be able to manage ourselves & move into assisted living when we need to.
I do think when it's time for assisted living that we'll want to look at one close enough to one kid or the other that we can have them advocate on our behalf, in person, if it looks like we are going to be dealing with dementia or Alzheimers. Elderly who don't have someone advocating for them tend to get worse care and open themselves up to abuse of different kinds (including financial abuse / scams). They can also visit more easily if we are nearby.
I don't want to disrupt their lives in any significant way, but I also couldn't imagine they would just leave me to some awful fate alone in my old age if I needed their help navigating appropriate care.
I would have a hard time hiring someone to do this and trusting them the way I would trust my kids.
jchasse@reddit
LOL
I expect to be financially supporting THEM
Western_Durian_6728@reddit
Absolutely not. I have told my kids to just roll me into a retirement home but my daughter (23) said over her dead body… I have the best kids, but I’d run off into a forest before I financially burdened them.
Dapper_Size_5921@reddit
It would be nice to have kids who are able to help when you need it, yes.
The goal should always be to not need it, to not be a burden to your family and friends as much as you can avoid it.
Everyone needs help sooner or later.
Sleeper_Inner@reddit
I took on the “burden” of housing my mom in what ended up being her final 5 years of life and don’t regret it for a second.
What was I going to do? Let her become homeless? I couldn’t live with myself if that happened.
I am in a better financial situation than her and expect to have a good retirement system in place so I am hopeful that all I would need from my child is to still be a part of their life and not be kicked to the curb in favor of their spouse’s family.
rivenshire@reddit
This. Thank you.
Good-Scientist7850@reddit
I’m not Gen X, but my mom is. As someone who was born elsewhere (not America) it is always shocking to me to hear this sentiment. I lived in US most of my life but I still have that belief that I will take care of my mom when she’s older and I would 100% move her into my home or on my property.
Like I can’t imagine just sending her to a nursing home or letting her fend off for herself in her 70s, 80s+. Unless you have a strained difficult relationship with parents, I don’t see why not. Especially if they have always helped out and do their best.
rivenshire@reddit
Refreshing to hear this! Thank you.
YouMustBeJoking888@reddit
Doubtful I'll make it to 80, but if I do I hope I'm in a fairly decent financial situation and I hope they want to keep an eye on me enough so I don't rot in my bed for a weeks after a sudden demise.
ipini@reddit
Nope. When I start to get into my 70s, I’m putting myself on a waiting list for assisted care. And I’ll use that when I need it.
justpuddingonhairs@reddit
Hell no. I got a job at 15 so I wouldn't have to ask for money. I worked jobs I hated to support myself and family. I'm not depending on anyone else or asking for anything.
Dirk_Benedict@reddit
Lol nah. If I'm in my 80s and run out of money and can't be useful to my kids/grandkids, I'm walking into the ocean ✌️
elviseva66@reddit
I’m Gen X (1966), I didn’t expect to financially support them. I figured they’d live with me at some point because they haven’t talked to my brother in 20 years. My father has passed & my step father just passed on March 29 at 81 y/o. My mom is 88 and has bad memory issues. She can’t be left alone. She brings in enough not to be a financial burden. This is all new to me. I guess she’s lucky I trashed my body in the military for 30 years and am disabled & unable to work. I feel like morally I should let her live with me because I don’t work and putting her in a home bothers me. I’m not sure what happens when she needs more care than I can provide though.
elviseva66@reddit
Sorry, totally misread the title.
No, no, no. I will not be a burden to my children. I know where to buy helium & a face mask. I’ll take care of it when it’s time. My kids will be upset but I will not be a burden to them.
19BabyDoll75@reddit
Hahahahahh in my 80’s.
Altruistic_Fact3200@reddit
Most Gen X didn’t think we’d live this long.
bibkel@reddit
LOL, my mom talked about wanting this and she is 80 with a new boyfriend I completely disapprove of. She owns two properties and I own nothing. I was promised by my grandparents I would get their home...and my dad got ownership. Then that got turned into a property that is now my mom's which was my college fund, but my ADHD assured I was unworthy of.
I have a successful career and marriage, two grown kids and a grandkid. Two retirements and 401k's. Financially I will be ok, not rich, but ok.
I would LOVE to have both kids live on the same plot of land with me, three houses that we can walk between be be independent. I have NO desire to be meddling in their affairs and I don't want to be the assumed babysitter. I just want family get togethers to be simple, convenient, and walkable if we drink. Also, once I die, I want them to be on site to be able to rent my awesome mansion out and be ruthless landlords reaping top dollar for what I leave behind.Why? because I am evil.
gotchafaint@reddit
These days many of us are supporting our children well into adulthood. I can’t imagine the luxury of reciprocity.
refusemouth@reddit
I don't have children. After I can't make a living anymore, I will ride out whatever savings I have and do lots of drugs. If the drugs don't kill me, I have other means. There's nobody that will "take care of me" if I allow myself to get old enough to need assistance, so I will just get out of the way.
YouMeADD@reddit
This person Xs
stagviper@reddit
Fuck no
YouMeADD@reddit
This. Fuck and no. My kids are getting spoiled, I brought them into this shithole world so it's my job to make it bearable.
NightVisionsII@reddit
There's no obligation for you to do so; legally or morally. If you think your parents are seriously expecting that to be the case, then NOW, before it's too late for them to turn this around and plan better, is the time to make this clear.
Hold your ground on them not moving in. Force them in the direction of making plans before they do something foolish because they counted on you for this role.
While many do take aging parents in, it's a case by case thing. The reasons, financial status, health care needed, and closeness of relationships are major considerations. If it's not feeling like something that you can do, nows the time to make them aware of it.
trashthegoondocks@reddit
Can’t imagine burdening my kids in that way. Being as independent as possible in your later years is one of the biggest gifts you can give your kids.
NaDarach@reddit
Not in the timeline we're living now. The best I can hope for is that they'll be able to adequately support themselves.
Lucky for them, I won't make it to 80 anyway. I have my doubts that I'll make it as far as 65.
JsquaredCA@reddit
No kids here but have a few nephews and nieces that think they hit a gold mine. We plan on spending everything if possible and then Thelma and Loiseing it. Lol.
Encyclopedia33@reddit
Yes, yes I do.
saffron_monsoon@reddit
Why? Why would you want to be a burden to your children?
Encyclopedia33@reddit
Hahahahaha - jeez, I won’t NEED her to, but she and I are very close and she tells me frequently that she wants me to move in with her when the time comes. So I expect at some point it will happen when,and if, I am lucky enough to live to be very, very old.
teriKatty@reddit
I don’t expect my daughter to. If she volunteers to, I won’t be opposed but I’m not planning my future assuming that. I don’t think I’ll live that long though.
NightGod@reddit
I don't expect it and continue to work towards being able to fully support myself after retirement.
That said, my daughter (who works in healthcare) has made it clear that she expects her mother and I (and her partner's parents) to live with them if the time comes when we are unable to live independently. To be clear, this is not her reacting to an expectation any of us put on her, this is a decision she made several years ago and informed us of on her own
chamrockblarneystone@reddit
You should do her a favor and not take her up on that. Elder care is a nightmare. Plan to go to an assisted living facility, and then check out when necessary. Man up. Don’t burden someone else.
peptide2@reddit
I thought i would just take my dad in when it was time , but it became very obvious when he got dementia that in no way was i going to be able to do that , i remember the moment when i realized that and it still haunts me ten years after his passing. So no i don’t expect my child to look after me when iam on the way out . I would just like her to visit and get on with her life .
Chancevexed@reddit
I don't have kids. I have a house bought and paid off, and a retirement plan that will support me. When I get too old to look after myself I will go into a care home or, whichever niece/nephew takes me in I will leave the house to and whatever savings I have left. I'm perfectly ok with a care home but that means selling my house to pay for it and I'd rather leave it to someone.
I also work out religiously to ensure I won't be a care burden for someone so when I say take me in, that's a last resort. I hope to Betty White this thing.
Expecting children to be your retirement plan is incredibly selfish.
No-Detective7811@reddit
I have zero expectations on my kids to support me. I need to support me. And my other job is to hive my kids the tools they need to ensure they prepare for their future.
chamrockblarneystone@reddit
When I get to be too much to take care of Im going for the long nap. Not bothering my kids with elder care.
Careful-Use-4913@reddit
Yes - as we are doing with their grandparents
atreyukun@reddit
Nope. I already have my funeral/burial/cremation already paid for. I’ll take care of myself. Once I get word that there’s something terminal or that can’t be fixed, calling the cops or an ambulance and letting them know where I am then I’m heading out.
LadySiren@reddit
I’m forever telling my husband that we need to be nice to our kids because they’re the ones who will be choosing our nursing home.
peckofdirt@reddit
I believe taking on the responsibility of bringing a child into the world is a pay it forward thing.
Energy should go into the next Gen having it better, not cleaning up the messes our parents made.
Not to say you cannot help parents, but I do think good boundaries are necessary.
TheNainRouge@reddit
I feel like people need to understand the safety net of our grandparents has vanished. I took care of my parents as they reached the end of their lives and they had it a lot better than I will. I would hope my kids would feel the same responsibility for me I did for them especially when I’m passing along everything I have to them.
I would think the boundaries they set with you growing up would be reciprocated in reverse as they grow older. End of the day how you treat your parents is likely the best case scenario for what your kids will do for you.
truecrime_meets_hgtv@reddit
I don’t have children so no. I do hope my nieces will at least look out for my best interests if I end up unable to care for myself.
I loved taking care of my mom as she died of pancreatic cancer. It was an honor to give back to her for all she gave to us. I used to beg her to move in with me but she was fiercely independent to her last moment of breath.
No one is obligated and no one should have kids for that reason. But my culture also values elders and multigenerational households. I think it’s sad that isn’t as valued in American society as it is in Hispanic communities. But we all have different values.
No-Reading-4384@reddit
Did they pay for your school that gave you your future??
NaDarach@reddit
I brought my kids into this fked up world. They don't owe me a dime for making sure they were prepared to compete in it. Paying for their education was part of the job I signed up for, as far as I'm concerned.
saffron_monsoon@reddit
What difference does that make? My husband and I are doing that for both kids because we are responsible for them - we brought them into this world. I'd never hold that over them or expect repayment.
GushStasis@reddit (OP)
No I got 100% scholarship. But even if they did pay for it thay wouldnt matter
curiousleen@reddit
Honestly… the weight and fear of me becoming a burden is one of factors that made suicide seem like a very logical solution for me, just a couple years ago. My entire (once hardworking & successful) life became decimated after a SA by a colleague triggered a snowball effect. I looked at my daughter (and all other relatives in contact), who always relied on me whenever in need of anything, and realized… as the person who always helped everyone else…I have no one to help me. My family struggles now without my help. How could I possibly become an additional source of stress? Isn’t suicide the most responsible decision?
Yeah… post suicide but I still struggle with the guilt of running out of my savings while being eternally denied disability by this government. Still… I cannot begin to imagine moving in with my daughter if I lose my home or become unable to physically or mentally care for myself.
Something has to change…
Due-Dick-1619@reddit
Whoa whoa... 80's? I have never counted on living that long. Ever.
No-Life-2059@reddit
As long as I have life insurance with their name on it... And I keep myself debt free and take care of them... Hell yes I do!!
Sea-Oven-7560@reddit
My dad lived about 200 miles from us and he was not going to move. He loved where he lived, he loved his house, he had a bunch of friends and activities so no he was not going to move in with any of us. It was all well and good until he took a fall and spent 3 days on the floor. What a stubborn pain in the ass. He refused to get a cell phone or a life alert -I told him I was happy that he wanted to live a lone but FFS because he was being so damn stubborn that he got to spend a few days on the floor and the fire dept had to break in his door. He changed his tune a little but he still needed help, I had to get him a lawn service and a guy to shovel the snow and I had to come up every few months to do any home maintence that he didn't do. The funny thing was none of that was because he was old, he always hated to mow the lawn and I never saw him fix anything he just got to the point where he's rather use a flash light than get out a ladder and replace a bulb. I think he spent 2-3 in the rehabilitation place but thank god he never spent a day in "the home"
jbarinsd@reddit
As a Gen-Xer I’m still fulfilling my responsibility for my own boomer parents and in-laws. Barring a a long, expensive illness my parents should be okay. They have a pension and own their home. Their house is the only potential inheritance and I’d split it with three other siblings. We already support my in laws. They’ve always lived paycheck to paycheck. Never owned a home. Their only income is social security and currently live with my sis in-law. We send her money every month to help them. We also have one dependent child still at home. We are contributing to our 401Ks and limiting our debt (we currently only have a mortgage). We have no intention of leaning on our kids for support. It used to feel like a given but things have become so weird and unstable it’s starting to scare me. FYI my parents had to support my maternal grandparents in their final years. They outlived their reverse mortgage and were basically homeless in their mid to late 80s. My parents paid their rent and pretty everything else their last 5 years.
FriedDylan@reddit
Oh God no. In general I expect the predictions about SS being insolvent to come to fruition with these later generations. Love the kid but she can’t cook a hotdog for herself let alone care for us in any way- despite all efforts to prepare her.
I’ll go as far as possible doing GX things and bearing the load- Taking care of business until I can’t anymore. They’re gonna find my ass somewhere and it won’t be the kid that does it because .. they don’t GAF if it’s not related to something online or their immediate social circle. Just sayin’
pawpro2000@reddit
No, not at all and we have specifically told her this. My life is not my child's responsibility.
Shifty_Bravo@reddit
I didn't have kids. Mainly for this reason.
Apprehensive_Put4319@reddit
The whole world takes care of aging family…except Americans who can afford it ship them off to die in “assisted living.” The Gen Z we are raising are narcissistic entitled little twits who may yet turn out to be worse than Millennials, thanks mainly to TikTok and forces out of our control. Good luck getting our kids to give a shit about us when we are old. Make enough $ to care for yourself or at least pay for top notch assisted living when the time comes. At a present value of $12k or so per month, start saving now.
hazelEyes1313@reddit
Jfc no wonder there’s no one who wants to take care of you. I have a GenZ kid. She’s the kindest person I know.
Pedantic_Girl@reddit
My mom lived with my husband and me for the last few years of her life and I’m glad we could be there for her. She didn’t need financial support though - it was more having someone there for her (and caring for her near the end.) She drove us kinda crazy but boy I’d give anything to have her around and driving me crazy again.
I don’t have kids, so this is a moot point for me. But I think the ideal is for your kids to want to help you in your old age, not for them to do it out of obligation.
somanybluebonnets@reddit
I’m going to try to set it up so that my kids don’t have to do too much for me and my husband, but I expect them to pitch in when they can. My siblings and I do a lot for my parents, even though they live in a retirement community. You just do. They need you and they’re your parents so you do the work.
Like, I spent 30 years raising my children to be good adults. If you’re childless, you kind of don’t have any idea how much children will age you, steal your sleep, cost money that you don’t have, etc. It was a lot of work.
In families, we take care of each other. Any illusion of independence falls apart as soon as someone is hospitalized. My kids understand interdependence, mutual care, duty and how the concept of “family” works. Yes, one of them will probably need to help take care of us, just like we took care of them and will take care of them when needed and currently take care of our parents.
Move in with them? No, that’s not part of our culture. But take care of us? Yes. I expect that they will. Obviously we don’t want to burden them, but it’s not really avoidable.
Unless we get hit by a bus and die instantly sometime in the next 20 years, which is always a possibility. If I become an absolute bitch, I’d completely understand if they decided to toss me in front of a bus themselves.
(Joke. That’s a joke, guys. Dark, graveyard-style humor.)
Pigeonofthesea8@reddit
I take care of my dad because the system in our province is straight evil. Even people with good money for retirement end up in the LTC system eventually, and it is horrific.
I do it alone (brothers bailed) and have no kids. For me the chips will have to fall wherever.
somanybluebonnets@reddit
Sometimes life screws you over. Sometimes the government screws you over. Sometimes the combination of the two screws you over a LOT.
Your situation sounds rough. Best of luck, friend. That sucks.
Pigeonofthesea8@reddit
Thanks :) It could be worse, though, for sure. It’s a labour of love and my dad’s a sweetie, so it’s not miserable. The hospitals are though! and so is COL. Crazy world we have now, hope things improve within our lifetimes
IKnowAllSeven@reddit
This is our viewpoint too.
I spend all my resources - time, money, health - on them. And they have seen that we take care of them and take care of our parents.
Mellow_Mood75@reddit
My daughter has never seen me sick in 24 years. My plan is for her to never see that.
One-Medicine1521@reddit
I do not expect my kids to take care of me. I'm also fortunate enough to have been able to support myself and will be ok on my own when I'm retired. If things get bad financially I can sell the house, and I would 100% do that before asking my kids to support me.
First_Name_Is_Agent@reddit
I don't expect that and my kids know it. I'm Mexican and it's a cultural thing to take care of parents but I've never bought into it. As a parent I feel like it's my lifelong obligation to take care of my kids, so I could never look at them like a retirement plan.
LHCThor@reddit
Absolutely not.
mystery_biscotti@reddit
My son inherits the house, if we can keep making the payments. The catch: I get to live in the basement. By basement I mean garden level, though.
At this rate, I expect he'll lose the house a few months to a year after I die. Or sell it so he can buy another car, a newer one. Sigh.
Sea-Oven-7560@reddit
We have lots of 2-3 unit apartment buildings where I live. When you are young you live in the first floor and rent out the second, as you get older and have kids you kick out your renter and live in both apartments. Then when the kids grow up they take the two apartments and mom and dad move down into the garden unit. It works out well for all involved. Most of my older family has passed away but if my elderly aunt or our elderly friend reached a point where they didn't want to live alone we could move to the upstairs until and let them live on the ground floor unit but they are fine living their lives so no need for us to step in and make them move in with us.
CupSea5782@reddit
Expect? No. I’m 61 this year. My kids in their mid 30’s are still figuring out their lives.
I’ll go live with my big sister before I’d do that.
GlasgowGirl69@reddit
My mom moved in with us when my dad died. I’d never throw her in a home with bare minimum care. She def can’t live by herself and I’ll cherish all the extra things I got to do with her before she dies. I work and we have saved for retirement, so I don’t expect to be a burden to anyone. In
tampacraig@reddit
My wife and I do not think it is our responsibility to take care of our boomer parents, but we consider it our privilege. Likewise, we are planning to account for ourselves without forcing a burden on our children. That being said, if in my dotage my kids asked me to consider moving in with them, I would not mind seeing the people I love the most every day.
AlissonHarlan@reddit
I expect to be dead
6mcdonoughs@reddit
Absolutely not
ku_78@reddit
I think my kids have figured out it’s more cost effective to put a pillow over my face.
Violent_Gore@reddit
Best answer yet. :D
GushStasis@reddit (OP)
Lol my dad told me in 95 (when I was 12) to put a revolver to his head
chilicheesefritopie@reddit
No
Violent_Gore@reddit
I'm trying to avoid all that fiercely. First off, and while there are no guarantees of anything ever, I'm a health nut and staying in shape and healthy for the LONG HAUL. I'm hoping to be one of those 90+ active seniors doing all kinds of stuff, and well like I said we can't promise that but we can at least try to get close. It's pretty much known that so many elderly health problems are avoidable, the information is out there, so that's part of my plan.
Second off, even though I'm almost 50 and have no savings (due in large part to a horrible ex that I procreated with), I'm at the beginning of having my own business and plan on starting another within the next decade and am going to try my damnedest to save something and have some kind of better financial situation figured out before I hit 65. And since I believe inactivity is a bad thing for older folks I don't mind working part-time a little past that date but hoping to have a better situation in place where I can ease myself into never being a financial burden on my kid.
As far as death goes, I haven't fully looked into it yet but I'm going with the most zero-cost option available. If it means donating my body to science I'm fine with that. Fuck the death business, it's ludicrous in our society that there's even such a thing. I'm going to look into this soon because I don't want my family to have to do gofundme's if anything happens to me sooner (my kid is still only 12 right now).
Between all that and the fact that my kid hates her mom and is already planning on not having a relationship with her in adulthood, she should hopefully be relatively worry-free when it comes to aging parents. lol
snappa870@reddit
It would/could be nice, but no not expected. I hope they would visit or call sometimes though.
herculaneum@reddit
Absofuckinlutely not. I'm responsible for my irresponsible 90 year old mother right now, and I'll be damned if I'm going to do that to my own kid.
Dismal-Read5183@reddit
Not your problem
LagrangianMechanic@reddit
No way am I doing that to my kid.
Sea-Oven-7560@reddit
Both my parents died before they needed live in assistance but if they needed help I would certainly have offered. I don't have children so I have no expectations that my nieces or nephews would do anything for me, that said the people in my family do look out for our older relatives so who knows.
I guess the question would be why wouldn't I care for my father or my mother or my aunt or my uncle if they needed help. Regardless of the many things they've done for me I love them and don't want them to have a bad life. I have the space and I can afford it so I don't really see the issue.
Katerinaxoxo@reddit
No
Friday_arvo@reddit
People’s children owe them nothing. No ifs ands or buts
DC55449@reddit
No. We will figure it out. Gen X Dad and slightly younger Millenial Mom.
UnderstandingOdd679@reddit
No. My goal is an active, mobile van life and maybe just hike into the wilderness one day.
My kid has her own place, her own life, and hopefully building a better retirement plan and making good decisions related to that. Her mother and I made decisions based on giving her the best start, including a great education without debt.
Beyond that, I’ve been too generous to some folks who probably weren’t worthy of it, but perhaps that gives me good karma in the end.
greyrobot6@reddit
My son is confident technology will be advanced enough to handle our care for him. But no, we don’t expect financial care from him. That’s insane and impossible, the way things are.
ConsciousChicken1249@reddit
I chose to bring my kids in, as far as I’m concerned it’s my job to take care of them as long as I’m breathing, not the other way around. That having been said, I will be there for my parents if and when need be. But thats my choice, that’s how I feel about family as long as it’s not harmful to one’s mental or physical well-being.
Criseyde2112@reddit
Nope. We've been told since the '70s that social security won't exist for us, so my husband and I have saved and invested. Now we just need the economy to recover but I'm very concerned that the worst hasn't yet hit. I think there's a worldwide recession coming, but I hope I'm wrong.
honestitsme@reddit
I don't expect to still be breathing by then.
No-Professor-7542@reddit
Heck no
Hungry-Treacle8493@reddit
I don’t expect anything of the sort, but my son has grown up watching us help those who couldn’t help themselves his entire life, so there’s a good chance that should that scenario arise he steps up to the plate. Find if he doesn’t as well.
Leaf-Stars@reddit
I’ve told my kids if I become a burden to hire a fat hooker and have her sit on my face and suffocate me. I did ask them to take good care of their mother though.
UnderstandingOdd679@reddit
You don’t want to know what she told them.
Leaf-Stars@reddit
I’m sure it would be enlightening.
ZarinaBlue@reddit
This is dark, but it's my life.
Thanks to her grandfathers' Agent Orange exposure, if I live to that age I will likely outlive my amazingly clever and beautiful daughter.
Turbulent_Tale6497@reddit
My hope is that someday, my Millennial and Gen Y kids no longer need me to support THEM
iaMBictrochee@reddit
I was a single mom and I have one millennial daughter. We already have discussed what would happen if I make it to my 80s. I have a beneficiary deed (she's the beneficiary) for my house & property (paid off) and everything else is in a trust. Since we both survived her teens, we get along well. She's pretty social and I am very much not. She has told me repeatedly that as long as we have separate living areas and kitchens, that she'd actually feel better keeping me close-by.
4PurpleRain@reddit
I’m in a similar situation. I have an only child that I raised alone for several years. He’s in his 20s now but says as he gets older he would probably prefer to have me around. He wants to adopt kids one day and has no interest in having his own kids because of being diagnosed a Type 1 diabetic at the age of nine. He has stated on several occasions if he does adopt he would want me to help out with the grandkids which I have no problem doing.
Head_Trick_9932@reddit
As a parent, i absolutely don’t expect my kids (teens) to support us and my husband and I have tried to make smart financial decisions and investments so they would never have to. My husband and I were older when we had kids so we’re under 10 years before retirement ourselves.
I was raised by a single dad boomer who worked hard and didn’t have much raising us 5 kids. However, he was also able to make good financial decisions and he’s 77 and my stepmom is 82 and they’re still living in their paid off home. My dad always said put him in a home before our spare room. He has no interest in us taking care of him and has made good decisions so we wouldn’t have to.
I chose to have kids, my kids didn’t choose to be born. Thinking of them as a future caregiver isn’t on my mind but again, I was raised by a kind of different boomer who always told us he’s not our responsibility, we’re his responsibility.
Gold_Comparison1745@reddit
How can anyone kick their parents out onto the streets. Unless they are addicts who steal or bring toxicity, have a heart.
memelissaann@reddit
In this economy? No way. They had no choice in being brought into this world and I did not have children as a retirement plan. I want for them all the happiness they can find and financial security to live the life they want.
ciceroblues@reddit
Child is 31, been a single parent since forever. My retirement will be living abroad where the COL is 70% than the US. My boomer parents really F’ed up their finances about 30 years ago. A riches to rags story because my dad had a penchant for owning airplanes and boats with insanely high hangar and boat slip costs.
He’s still in that financial sink hole and threw in the towel 30 years ago after my mom divorced him over infidelity and financial issues. He’s remarried, used his entire pension to build his wife’s home— his name is not on the deed.
Currently living abroad and I was able to help support my mother for 8 years before she passed away 5 years ago to this day. She worked in the federal government until the age of 75 and barely had time to enjoy retirement because money was tight— she was a SAHM for 24 years and didn’t re-enter the workforce until the age of 48.
I would never burden my son with having g to pick up the pieces for poor financial decisions. Hence, why life abroad makes more sense for now
scottyv99@reddit
If it flys, fucks or floats then rent it
ciceroblues@reddit
Haha, good one
CityNot@reddit
I don’t expect anything. I plan for everything I can. Rest is out of my control
AllieJIsHere@reddit
I'm a late Gen X, in the Xennial cohort and not even our if my 40's yet, so my plan, like so many younger, millennials is essentially to work until I drop dead
Pigeonofthesea8@reddit
Yes
Impressive-Health670@reddit
I’m in the same age range but I’m hoping to retire by 60.
Glum_Mud_4693@reddit
I am sorry.. I need expected to inherit a home (expensive) But paid for
Resident-Edge-5318@reddit
I honestly can’t stand millennials.
juno2912@reddit
I hope I am not still alive in my 80s.
Pigeonofthesea8@reddit
See how you feel when you get to 80 haha
melmsz@reddit
Heard
SufficientOpening218@reddit
no, no i do not. my adult kids, 25 and 28 currently live with me. youngest is disabled, oldest is gone back to school as first career has crapped out. i have no intention of taking in my boomer parents, either. they are far wealtier than me and say that they have all their long term care worked out.
im honestly not interested in living into my 80s like my parents. i dont have the money to intertain myself constantly as they do with luxury travel, owning multiple homes, etc. i just want to see my older son settled in a good career and leave enough money in trust so that my younger one can be looked aftet. (oldest is the trustee/ executor).
its not like ive done everything i wanted to do in my life, but im nearly 60 and ive been through a lot of stuff. ive survived many things that arent worth detailing and im tired. ten more years would be great.
dogtroep@reddit
I don’t intend to live past the point of debilitating chronic illness. My son will have enough challenges without worrying about me. My funeral is paid for and my will is made.
That said, I’m still in good health and I’m enjoying the hell out of my time on earth right now, so I hope my luck holds for a little while longer. C
Hotsaucejimmy@reddit
The greatest gift I ever gave my kid was the knowledge he wouldn’t need to take care of me when I’m old.
Consistent-Dog8537@reddit
Sort of. I don't "expect" it but just as I did with my own parents, I would think they happily will help me out. I got cancer last year and suddenly got very sick from the Chemo etc. couldn't drive. Couldn't do anything. Was SO unwell... and my kids jumped in and took great care of me.. Drove me to appts.Reorganosed their lives to be sure they were available to me.
Just as I'd hope they would be.
eat_a_burrito@reddit
No
bionic_cmdo@reddit
Has anyone ever seen the movie 'Whistle'? Where you blow into this ancient Mayan whistle then the spirit of your dead self from the future takes your life. I want to blow on that when I no longer can take care of myself.
melmsz@reddit
Don't bogart.
BrainSqueezins@reddit
I’d’expect’ it, in that my kids have good hearts and I’d like to think we’ve got a good enough relationship that they’d come through for me.
All the same I don’t EXPECT it like that. I plan not to need it, will do everything I reasonably can to avoid t.
Whiskywheeler@reddit
Fuck no. I had to take care of my mom and mother in law after our fathers passed. One well into her 90’s with dementia. There is no fucking way I’m putting my kids through that shit. I already told my son that when dad says he’s “going for a last drive” to say his goodbyes because I’m not making it back home.
Spiritual-Flan-410@reddit
Absolutely not. I am doing everything in my power to not be burden to my kids. I had to care for my mom for 6 years until she passed while working full time and raising a couple of kids. Exhausting. We (spouse and I) plan on moving into a retirement community that offers care when/if needed. A bit expensive but worth it to not burden our kids with our possible future health challenges.
IKnowAllSeven@reddit
Kind of yeah.
Idk your specific relationship with your parents so my story might not be similar to yours at all.
I drive my parents to appointments if they can’t. They thankfully don’t have alot. I help them when I can, around the house and such. And yeah, if they needed me to, I would move one or both of them into my house. Same with my mother in law. Husband and I have talked alot about how we could make that happen if we needed to.
And though I am not planning to live with my kids or depend on them, life takes you to unexpected places so who knows. I would hope they would help if I needed help.
My mother in law…raised three kids on just her salary because her husband thought being a dad was too hard. He Never paid a dime in child support. She has retirement savings, but not a ton. Of course she doesn’t, it’s not like raising three kids on one salary has EVER been easy. If my husband doesn’t want her to live with us if she needed it, I’d kick his ass out and take her in lol. She has a paid off house and has all her faculties so, so far so good, she doesn’t need us just yet, but if she needs us to, she can live with us. I mean, the reason she doesn’t have more is because she had to financially support three boys on her own!
melmsz@reddit
What children? I don't want to be going to doctor appointments in my 80s either.
Glittering-Ad-6261@reddit
Haha no. But, I was raised in a culture that DOES do this. We don’t put our parents in “a home”. That said, I don’t plan to burden my children with that.
Misanthre@reddit
As a parent of 2 teenagers, that is the number one thing I'm trying to avoid. I never want to become a burden for my children, not like my parents were necessarily a huge burden for me.
That means saving for retirement, helping them with college and making sure my life is in order. But no, I don't expect anything from my children. Their lives are theirs to lead the way they want to.
I also don't necessarily have a goal to leave tons of generational wealth. But ideally, I leave them with something rather than debt or burden.
echointhemuseum@reddit
No. But honestly I don’t think I’ll live to 80. I got breast cancer at 50, and if it comes back and metastasizes I don’t think I’d want to live on cancer drugs for years. But no. I hope my daughter will help if I need it but I would not want her to be responsible for me.
GushStasis@reddit (OP)
I don't know you, but my heart is with you. From one stanger to another
lalacourtney@reddit
No, I am hopeful I’ll still be able to help him when I’m retired.
pm_ur_duck_pics@reddit
I would if I had kids.
Pendragenet@reddit
I don't expect anyone to take me into their home, but I sure hope they care enough to want to help me out as I age to some extent.
If they are in a different state, then simply checking in once in a while to make sure I'm not being taken advantage of by a caretaker or that the nursing home staff isn't pulling off my toenails in the night, etc, would be enough.
I would never have just washed my hands of my parents because they got old and needed help. I didn't sacrifice my life for them, but I certainly made an effort to help them when they needed it. I'd do the same for my children or my friends. I hope someone is willing to do that for me.
Nelyahin@reddit
I've thought about this a lot. Not just how I'll survive, but how will they. I don't want to be burden to my children. Today, I've been doing a financial balancing act. As in, I've assumed a lot of debt to help my millennial children. It's not exactly where I would like to be, but I see the real challenges they face.
I've set up insurance policies to help if I need care, also to cover the debt. However, if I got really sick things would have to really change. I wouldn't want them to stop living their lives to care for me.
My goal is to work until I just drop. I can't really ever retire. If I last until I'm 80 I would be surprised. Not that I'm wishing otherwise. I just know the average age the women in my family live and it's not 80.
1questions@reddit
I don’t have kids and I barely make any money to support myself. I’m hoping I die well before my 80s.
sickiesusan@reddit
I’m not from the US but was born in 1966. I’m 60 this Summer, but I still work full-time. I have known for the last 15 years that I’ll be working until I’m 70. I had a shitty and expensive divorce from someone who paid no child maintainence. I’m lucky because I have bought a property in a HCOL area and will downsize to somewhere cheaper, if working until I’m 70 doesn’t happen (or if I’m replaced by AI in the workplace).
I don’t expect my children to financially assist me at all. I’ve not been able to help much with their College expenses, they owe me nothing. As the saying goes ‘children don’t ask to be born’.
Jeddiewan@reddit
I'm Gen X. I will eff off into the sunset when my time comes. Nobody is taking care of me.
Chango13@reddit
I have always said, when someone asks what I'll do when I get old and have no kids to take care of me, that when I get too old to take care of myself, I will go out into the desert on a very hot day with no water and "fall asleep" in the sun.
Jeddiewan@reddit
Young Guns and Young Guns 2 were important movies in my childhood. Chavez had it right. I agree with you. And oddly enough, a few more things go the wrong way, I'll be there sooner than I thought.
AccomplishedCash3603@reddit
Hell no. Go live your life kids, you only get one.
Ok-Commercial-924@reddit
Hell no, I went through hospice (cancer) with my parents, I will never subject my daughter to that. It was horrible for everyone involved. The wife and I have saved enough we can go to a good long-term care facility. Not one of the shit facilities Medicare will pay for. The wifes Mother was in one of those it was horrible.
Put me in a home, but a nice luxury one.
Apart_Ad6747@reddit
We have already turned one house on our property into an impressive end of life home. Putting everything in trust with TOD and POA in place. Unfortunately the kid will own the nursing home till we’re both dead, then they can develop it or sell. We’re in a prime area for small gated communities now. It’s probably going to be more prime by the time we are ded.
Ribeye_steak_1987@reddit
My children are not my retirement plan.
scarlettskadi@reddit
Nah- just visits and a bit of phone chit chat will be the most I’ll ask- I hope.
I’m certainly not expecting to move in or make my life their problem no matter how poor I end up.
Continent3@reddit
We’re not expecting them to take care of us in our old age. We’ve saved enough that there will be money for our care. If things go well, we won’t need care and what we have left will go to them.
strongfortopullplow@reddit
I don't think I really want to be in my 80s at all. Moving abroad for work soon. Hoping I like it because the cost of living is much lower. Also hoping my home goes up in value while I'm gone because that's the bulk of my retirement plan. Paying for two colleges had drained my reserves. Don't ever want to be a burden, but pretty proud of keeping my kids close to debt free for college.
Green_Aide_9329@reddit
No, I don't expect my kids to fund my retirement, but I live in Australia, own my property outright, have a nice superannuation (retirement) fund building, and almost 20 more years of work. My health costs are mostly covered due to my disabilities. I don't have actual savings in the bank, live day to day at present, but once the kids get to uni age I may have to downsize if I can't afford the upkeep of the house. Luckily, the older parts and most expensive parts, like kitchen and bathrooms, were renovated before we moved in, so husband and I should be ok here for quite a few more years.
My parents had me young, worked super hard to pay off their house, travel, and are enjoying life. They are finally having health issues, but I can very safely say they won't need to rely on my sister and I financially.
Practical-Plenty907@reddit
I don’t expect anything from anyone. Never have. Hopefully never will.
Various-General-8610@reddit
Not if I can help it. Money wise, I will probably be okay providing I don't have a catastrophe.
If I can't drive myself, I would probably try to arrange transportation.
I am 53, and am already thinning my proverbial herd so they won't have a huge mess to clean up before they sell my house.
Going through this process with my own parents, so I am already taking notes.
GenerAsianX1992@reddit
Expect? No. Hope? Yes.
Rude_Parsnip306@reddit
Same
Wactout@reddit
As parent to two kids, and as a member of the literal spit between x and millennial, I would find a way to off myself, financially, so my kids won’t bear the burden of keeping me alive. I have no regular savings anymore after COVID, my retirement savings are fuckered, and the fact no hardly any company exists that you can retire from anymore. Most of us will work till we die. And our children will too. We are slaves now. And so will your progeny. Again. And again.
FormerLaugh3780@reddit
I'm doing everything in my power to make sure I leave this world before I'm 70, so am not planning on having to deal with the issues you raise.
Rude_Parsnip306@reddit
I'm thinking 75 might be a good time to exit for myself.
Uncutsquare@reddit
As a parent, I find this whole thread very disappointing. Sigh.
GIGGLES708@reddit
IKR, every other generation helped with their elders. WTF
Minute-Actuator-9638@reddit
Every other generation has been better off that the previous. Boomers have effed that pattern. Gen Y is in trouble, man. Take a look around.
Trolldad_IRL@reddit
My parents (1933 & 34) did not ask for a dime from us, but that did not mean we weren’t there for them when they needed us. Same with my wife’s parents (1922 & 23). They all planned for their later years.
evidentlynaught@reddit
They have seen me care for my parents.
Piscivore_67@reddit
I'm not going to live long enough for that to be an issue. My dad just turned 80 and he and my mom are taking care of me because of my cancer.
Rude_Parsnip306@reddit
I'm hoping they'll help since there are 5 of them but I don't have any expectations.
QuestnsEverything@reddit
I hope they help me by taking me shopping, making sure I have necessities, visiting etc. I do not expect them to financially support me. I am saving for retirement, have property to sell and move closer to the (but still provide for myself) if I cannot manage on the farm. If they have room and want me I would love to live with them, but again I would financially support myself and help the out a little. As it is, we help the out when we can. Usually under the guise of birthday or Christmas “gifts”. I will likely have dementia. They have been instructed to ensure I am in a good home and to come visit me weekly, with chocolate.
Ancient-Complex6823@reddit
I’m genX I take my Mom(in her 80s)to appointments, holiday gatherings and struggle with the responsibilities of being a good son. Mom pays rent in an apartment with her retirement $ and is always saying thing like if I buy this I’ll have less time in the apartment and that she has enough $ for 5 more years of apartment living. My spouse and I own a 1 bedroom house. No rooms for parents or our children. We didn’t choose a 1br for that reason but for the price. The goal it to pay it off before we have to stop working so we have low overhead. Not sure what will happen if mom lives 5 more years. We will cross that bridge when we must.
RevolutionaryLaw8854@reddit
Fuck no. I hope I’m not still supporting these kids. I’ve got 7 souls I’m supporting 😑
hesathomes@reddit
Not at all. Finances will be in order to provide for myself and my husband. If I end up with dementia (none in either side of my family) I’d hope they manage the necessary arrangements. I take care of my health so hopefully I don’t become a burden in any respect.
We try to help out kids out financially now when it’ll actually make a difference in their lives. Neither myself or my husband got help of any kind from our parents.
marie48021@reddit
Look into filial responsibility laws for your state. You may have a legal responsibility to support your parents. My state (MI) doesn't make us financially responsible for them and I was relieved to find this out. I'd never expect my daughter to do anything for me. If she wants to help I'd let her, if not that's OK too.
Minute-Actuator-9638@reddit
I’ve been taking care of myself since I was 8. Why would I expect anyone to take care of me later?? LOL the thought is almost laughable.
Rare_Mistake_6617@reddit
Plan is to move in with the kids, live in their basement and play Animal Crossing - jk.
We have already made plans to live near our kids once they settle and check out assisted living centers while we are still with it. I firmly believe that assisted living is the best option if I suffer from advance dementia. My fear is that I would set fire to the house or cause some other harm as well. Caregiver burnout is real and it is unrealistic to expect my children to care for me at that level while raising children. With assisted living there is 24 hr care with trained professionals.
nonprofitpro007@reddit
Sounds like this is stressful for your mom. She can be less stressed with clarity and a plan. It's good it's brought up now so you can let them know what you will and won't do - so your parents can create a plan. Ask if they want your help with a plan to clear their debt, build savings and maximize social security. I'm sure you'll keep a helpful tone. Only if you do not shame will you get at what their real numbers are. Credit card debt could be growing out of control with typical interest rates being in the 20-30% range. This alone could be terribly stressful for your mom and causing her to cry.
mchookem@reddit
what children? lol
Outside_Ad1669@reddit
I know right. I guess I will need to contact some the children of those here that are going to raw dog it to the very end. I guess I can give their children someone to take care of.
Ok-Till-5285@reddit
I am Gen-X and have my retirement planned and funded. It won't be a big life but it will be sufficient, I don't expect my kids to support me.
Pamela_Allred@reddit
The only thing we will want or need from our kids is to keep a relationship with us, and help in the event of things like a ride to the doc's office, if needed. I wish my parents were still here for me be more supportive of them than I was when they were living.
Koolmidx@reddit
If I could afford to, sure. What I see are baby boomers in my family that planned for "a" retirement, and didn't plan for vacations, rising inflation, and houses they live in needing expensive repairs. I'm not related to anyone with great financial sense in that generation.
Appropriate-Fun-922@reddit
Just look up climate change data for 2034 and beyond and take a deep breath ❤️🫂 hug your parents (and kids)
asyouwish@reddit
My dad died in his 50s.
I became Guardian of my grandmother (because my mom couldn't do anything). She needed Memory Care, so I did a lot of legal stuff, but didn't do much physical care.
My mom needed help but wouldn't allow it, so she died alone.
My husband did his part for his mom, but she also need PT and Memory Care (and had really good insurance for that).
So we kinda skipped it all. The hard part will be doing all of that for ourselves when our time comes.
Sufficient_Bed335@reddit
Your answer will vary. So many contributing factors here. Income, upbringing, relationships, and the list goes on. Some will move parents in. Some will have nothing to do with them. What are your values? Good time to think all of this through, and talk about it.
beaglemama@reddit
Not really. I expect them to keep an eye on me to make sure I'm ok and not getting scammed. Also to kind of be my adult supervision. But definitely not to do everything for me or to have me live with them.
Puzzled-Relief2916@reddit
My mom passed when I was 24, my dad had burned his bridges with me. But I would gladly take in my MIL. She has taken good care of my wife her whole life and has been the kind of person that deserves to be cared for in her golden years. We intend to look after her as long as she needs.
MaiBoo18@reddit
No, I would love to stop supporting them though. That should be enough.
cometshoney@reddit
One of my kids is planning on buying a house with an apartment in the basement. Apparently, the plan is to lock me and my cats in there, then check on me once a week or so. It would be cheaper than assisted living.
Rm50@reddit
Doing this now lol … my checks help keep the train going …
Snoo-20174@reddit
New retirement plan unlocked. Do you think they’ll let you use the wifi? Maybe a monthly parole to walk around the yard to see the sun? Or maybe it has to be at night so the neighbors don’t see.
I kinda like the turnabout imagery of us living in our kids’ basements playing video games because we can’t financially live on our own.
S99B88@reddit
My parents are and will be financially self sufficient, same for in-laws. As will I and my partner be.
My expectation is more that our kids will need our help as the state of things right now it’s not looking good for their financial futures. We will be able to support them through their education so they don’t leave school in debt, as we’ve saved for education funds for them.
Not sure about being able to support them getting homes now though. My thought used to be we would put downpayments on homes that each could live in and extra rooms be rented out while they were students in college, and eventually when they got jobs they could lose the renters by attrition as they became able to pay the mortgages and expenses on their own, and that would be their segue to home ownership. But the price of houses the past few years has risen above our capability to afford downpayment for all of them, and if we can’t do it for all then we won’t do it for any of them. But they will at least inherit okay from us when we’re gone, assuming our pensions and other resources aren’t totally sapped by the cost of keeping us until the end.
nonyobisthmus@reddit
Sorry to be the bearer of bad news, but there are laws that can require adult children to pay for their parents' food, shelter, and medical needs if the parents cannot afford them. About 30 states have them, they are called Filial Responsibility Laws. It's no joke.
There are some particularly appalling accounts of adult children now being legally forced to be responsible for a parent who was awful to them their whole life. I couldn't believe a law like this could exist, but I was sorely mistaken.
Mindless-Baker-7757@reddit
I really hope not. I want to be as independent as possible up to the end. I hope to leave some money to my kids.
PatrickL23@reddit
Gen-X couple w/no kids. I expect our in home robot and self driving car to do that 24/7...and will have been exponentially cheaper. Kids are Wonderful if you're young & wealthy but they're no longer a source of assistance in old age from this point; in fact quite the opposite. Children are now a luxury that can provide a lifetime of memories & relationships but seldom no ROI.
Trolldad_IRL@reddit
Not at all, and we’ve made that clear to them. We signed up for the job to raise them and support them until they became functional adults - which they are now, They do not owe us a dime for that.
Quirky_Commission_56@reddit
Hell no. I spent my 20s through my mid forties taking care of my disabled mom, maternal grandfather and my great aunt simultaneously with my infant until they died. Grandpa in 2004, great aunt in 2006, my mom in 2008 and my dad in 2018 and they all were wheelchair bound and insisted 5’3 and 120 pound me push all three wheelchairs up every single ramp. It killed my already damaged knees and I did it all with a partially fused spine.
GushStasis@reddit (OP)
You are a saint and deserve peace and relaxation
Fit-Narwhal-3989@reddit
I have the money and just retired at 60. If one of my kids is still living with, they will be wiping my butt. That, and mowing the lawn.
Jerentropic@reddit
Got no kids, and didn't expect to live this damned long. My wife and I just figure it if we need to.
Hobobo2024@reddit
if you're in the US, if they get dementia, there's going to a gap of time where they aren't so bad off they can qualify for medical yet they are really sick enough to not be able to take care of themselves. It's disgusting frankly thst it's so hard to get help during this time period.
Perhaps one of your parents spouses will stay capable when the other gets ill but if bith get sick at the same time, I'm not sure if you'll end up csvi g and helping them. I've been caring for my dad for the last 7 years.
I don't think kids are under any obligation to care for their parents but eith such shtty health and retirement care these days, you may end up doing it anyway.
GushStasis@reddit (OP)
I fear this will be the case. I will never abide my parents being destitute. So I worry I will just be the good son and take care of them
10202632@reddit
Any parent who will rob their child’s future because of poor decisions or bad luck is a total POS.
Guyute-TN@reddit
Hell no. If I’m not dead at 65, I’m going to join the marines (who will be recruiting Gen X at that point out of necessity) and go fight whomever the U.S. is antagonizing until they do the job. My kids are off the hook. I’m raising independent thinkers.
Sensitive-Issue84@reddit
Since we can't even retire until we're 67 and I refuse to work until I'm dead? There is no way I'm checking out until I'm 80! I have no kids, so I'm saving to retire my way.
Necessary-Film7832@reddit
You are not responsible for their bills unless you have cosigned. You do not owe for their debt after their death.
triphawk07@reddit
No. I'm saving for retirement and told the kids thst the house is theirs once both my wife and I pass away. I made a point to them that they should save for themselves, not for us. Its bad enough to pay your own way, let alone having to take care of us too.
NorthernBudHunter@reddit
I didn’t think i would make it to 30, and you’re talkin bout 80. Shiiiiiiiiit.
Notatexan0317@reddit
No. Absolutely not.
AuntJibbie@reddit
Uhh... no. That's not their job nor their responsibility. I've already told them to stick me in a home when/if that time comes. Why? 🤔
Typical-Produce-6415@reddit
I don’t expect him to support me, but I definitely hope that he is helpful and caring.
InevitableCodeRedo@reddit
It's the exact opposite. I am squirreling away every last cent that I can into retirement savings. Not for me - for my kids. And am already paying off student loans, car loans and insurance for them. And occasionally some help with rent and groceries and such. I have no plans to retire until I'm 75, and if I get sick or infirm, well... let's just say I'm not using any of that saved money on me. This country is well and truly fucked.
DPax_23@reddit
Lol no.
LastCookie3448@reddit
Not even remotely. I plan to pull a Fastball.
ObjectiveUpset1703@reddit
I took out long term care insurance so I don't have to be a burden.
bears5555@reddit
I don’t expect to need it, but if I am investing hundreds of thousands of dollars into their higher education, then I do expect some support if I need it.
Mollz911@reddit
That’s a hell no! I’d like them to visit and shoot the shit occasionally but my kids will not be financially responsible for my when I’m in my 80’s. I was born in 1967 and have savings, property and investments.
IAmEchosDad@reddit
Fuck no. I'll be taking care of them till I'm 100.
drinkme0@reddit
No.
Perle1234@reddit
No of course not. That’s not done in my family. Everyone prepares financially. I inherited my parent’s estates when they passed. My mom didn’t have much except a house I gave my half of to my brother as I had a house and he didn’t. My father had a fair amount of money when he died.
-carolinagirl69-@reddit
I do not expect it. But mine have said they want me to live with them when I’m older.
creeva@reddit
No
lavenderenergy1@reddit
No, I expect to tap out if I am unable to live independently, and I don’t want to squander thousands, or hundreds of thousands extending my life to the last drop, either.
More_Bluejay9938@reddit
This is my worst fear! My lack of planning is not their problem whatsoever. Anything they do will be appreciated but not expected.
tmchd@reddit
Anwer: No.
Ambitious-Writer-825@reddit
Having had to help with my grandparents and then parents, I don't want to put that kind of burden on my kid.
not_bonnakins@reddit
Nope. I am doing everything in my power to help my son live independently. Relying on him to take care of me in my old age would be counterproductive.
OliJalapeno@reddit
Nah. No one has been there for us. We don't expect our one/only child to bear the burden.
notedithwharton@reddit
Nope. Absolutely not. And I will help my kids as much and for as long as I can.
Upper-Glass-9585@reddit
No.
freerangetacos@reddit
AI will take care of me
favoritefinch@reddit
No. My kids are beautiful birds and I want them to fly free and live their lives.
yodamastertampa@reddit
No kids. I will fund my own retirement.
themissq@reddit
Yeah, no. The only one responsible for me is…me.
buckbuckmow@reddit
No. Definitely not.
Tokogogoloshe@reddit
Nah. Piss poor planning on your mom's end isn't a problem on your end. All she'd do by burdening you is kicking the can down the road so you can't ever retire, which is selfish.
gatorman98@reddit
Nope.
Maliluma@reddit
At most I hope they could help with medical appointments if they live nearby. I don't expect any financial help from them at all, and I hope I can leave them some inheritance to help them out. I've been very careful to live beneath my means because I have no safety net (parents are getting by on their own, but by no means wealthy.)
weelassie07@reddit
Well, I hope they try and look out for me at least a little bit. Even when you have a nice 401k and insurance, you need someone to advocate for you at times. Financially support me? No. Move into their home? No. If they have the means to have an IL suite or additional dwelling, that would be awfully nice. Take to doctor’s appts? Yes, please, if I can’t get there myself.
Equivalent_Win8966@reddit
No. Absolutely not. I financially set myself up to not need help from my child. My parents are going to need help and I don’t know who the hell is going to do it. They were so financially irresponsible and blew through millions of dollars keeping up with the Joneses so none of us kids are willing to help them anymore. We’ve already given them money, but now that we are all getting closer to retirement there’s no more money going to them.
Melodic-You1896@reddit
My child is 32 and I still don’t trust her to cross the street alone. Think I’m on my own in this.
I_made_a_reddit_acct@reddit
Nope. They’ll be lucky to support themselves. We aren’t going to leave the next generation with a lot of hope. This economy is upside down and unsustainable; Octavia Butler was a prophet.
TenuousOgre@reddit
No. We learned early on to depend only on ourselves.
RikkiLostMyNumber@reddit
No, and I really don't see how they could anyway. These kids are getting a shit deal right now, it's going to be a huge stretch for them to own a home, have their own kids, you name it.
zabacam@reddit
This. Still helping and supporting our 19 and 23 year-old children. Helping out 85 and over parents navigate their final chapters. If we are lucky, we will retire over the next 10 years. Our kids likely won’t do as well as we did. It’s too bad.
Alamohermit@reddit
Hahaha. No. I won't live to see 80.
Live_Past_8978@reddit
FUUUUUCK no. I've told my daughter that's why I've saved money. Also why I moved to Europe where you can get support. Her job is to live her life. It's on me and me alone to take care of my life.
Any time I get to spend with her at the end is going to be focused on helping her save up more good memories, not the painful ones. If I need help, well, that's why people should be paid a good wage for that valuable service. It's insane to think something as important as elder care should just be handled pro bono by people with zero training just bc that's the way they did it when 50% of children died bc they got eaten by boll weevils.
My sister chose to be there for the end with our stepfather and it was ROUGH. Personally I do not think family means you OWE someone. To me there's a logical fallacy at work here. Children do not choose to be born. So how can we saddle them with a debt they didn't agree to? Parents make the decisions, so parents bear the responsibility.
When my time comes I'm taking a first class flight to fucking Trondheim and walking out on an ice floe like the first peoples.
smithe68@reddit
Not at all and I wouldn’t expect them to do that at all.
AdGold205@reddit
My kids are under no obligation to care for me in my dotage. They will have enough to worry about.
bony-tony@reddit
This really seems like a conversation for you and your mom, not you and every GenX who's not your mom.
jnp2346@reddit
Not at all. I will never be a burden to my child. I have made arrangements on my own.
HenryLoggins@reddit
I planed to not have my children support me. Not a burden I would want to put on them.
sdavids5670@reddit
I hope that never happens. If it does then something really terrible happened. It’s more likely that my kids will have to move in with us.
Ceamba@reddit
Yup. I have no retirement savings. Luckily my eldest told me that neither of her parents will live in a nursing home. Raised a good one, I did.