@centre
I know what you mean. (We don't have children-- not that that would be any guarantee of assistance. )

But overall, I just don't think ahead that far. Being more grounded in the present is one of the good things that my husband's Alzheimer's has given me.

I go back to Google fairly often to find this quote: "Worry does not empty tomorrow of its sorrows. It empties today of its strength."

But maybe we have a genetically influenced worry "set-point" I know that my mother was a worrier. She had a difficult life that repeatedly gave her reason to be so. Perhaps in response, I willed myself to put all of my energy into solving or avoiding problems instead. Or maybe it was genes from my father's side: They divorced when I was very young, probably because he did not take things seriously enough. 🙂

Wishing you peace of mind.