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I’ve always done things ahead of when I need them. Going thru stages of life, I’ve been calling agencies to age at home. All I can say is SAVE YOUR MONEY because you will need it for caregiving. My biggest worry would be to have plenty of food in the house and general errands. We all age differently. I believe as long as dementia does not hit, we will be ok.
I never gave much thought to getting older, but I think about it now since I’m in my young 80s. I hope my non smoking, non drinking and general healthy lifestyle will pay off. So many friends are no longer living. Difficult to look at their photos. There is help out therefor us ageing seniors AT A PRICE.
those lucky enough to own a home, there is always a reverse mortgage.
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Going with your theme of doing things ahead, I decided to visit a couple of facilities. They were disappointing. The so-called apartments were small and I would not be able to bring anything of mine. There is also the monthly rent, which is not cheap and will go up each year. With the current scarcity of employment I do not think they can deliver on the care they promise. Assisted living is worse. At best you have a studio. And the rates are higher. So I have made the decision to stay at home. Because of certain family situation, I have a professional successor trustee who will take care of the trust when I die. We don't know when that that will be. At this time I am 3 months shy of my 90th birthday. However I am in extremely good shape. I am able to live independently an I can drive myself wherever I need to go. My successor trustee is in agreement with me that she will not put me in a facility if I live long enough to need assistance. Yes, you need money, but you will need it either way.