I was 87 when my husband died. Shortly after I had to have a complete hip replacement because I wore it out. Now I am 91 and still independent and still living in our home. I did do some due diligence by visiting two facilities that advertised independent and assisted living. I looked at the independent apartments. I found them to be small and confining. I questioned whether they could provide the care they advertised. These places are run by corporations who only focus on the bottom line. They pay minimum wage so I wonder about the people they hire who have to look after older people, most of whom are not as fortunate as I am healthwise. So I decided to remain in my own home. I am building up a "slush fund" so that if I do become incapacitated before I die I will hire caregivers to come to my home where I am comfortable and have my own things around me.