Very thought provoking question, @georgette12 I was my wife's caregiver during her 14+ year war with brain cancer. Now I am a widower and often wonder about this for me in the future!
I would never want to be a burden to our two children so I have no desire to move in with them when, or if, I need assistance in living. Most of the 'homes' here in our area are not the best and my parents, who made the decision to sell their home and buy into a graduated care community hated it and too late discovered that not all costs are covered, but the basics are, which often are not enough for what they needed at the time
I have also read several stories about how terrribly expensive nursing home insurance gets when you are actually at the age you need it the most.
Wish there was an easy answer!
What are others thinking?