What I mean is how do you see your future unfolding in your declining years? Do you have a partner or people in your life who will be your rock? Or will you find yourself alone navigating the unknown?
I have no children. My siblings have proven they scatter to the winds when times are tough. My partner has shown himself to be anything but a pillar of support and strength with his own aging parents.
I worry about this lately.
Any thoughts?
2 of my 3 children have mental health issues and no capacity to help in any manner. The third does, but I have no intentions of burdening him with my care. I will live independently as long as possible. I have written a letter to my future self telling me to accept help when it is offered and if that means residential care so be it.
I have my affairs in order. I am lucky to live in Canada where Medical Assistance in Dying is legal and available and my sister in law is a physician who currently is my health care representative.
I am obese and this year and working at managing my weight. I know excessive weight will limit my life and I need to address that.
It is normal to have worries about the future. (Well I hope so.. I have many). I try to not ever think of worries at night in bed since I read the brain still processes worries but not solutions in the sleeping hours.
I too have sibs that I won't be able to count on for various reasons. DH cooks & cleans but does not do 'illness'.
So I suppose I will either carry on until I can't. Fall down & depart via sudden heart attack or stroke or just not wake up..
Or land in hospital & after 100 falls on crumbly bones, be sent to rehab & some sort of nursing home where I will join the choir, bingo & make the best of it.
Or, if I outlive the snorer, get a group of widows together & live in a share house Golden Girls style. You in?
🤣
But then again wringing your hands and thinking "what's to become of me?" will only make you miserable and anxious and waste precious time that way, so cover the basics - make a will if you have any property of monetary or family value, and I would add Downsize Downsize Downsize - plus form some ideas about what you would *like* to happen. When the time comes, you will cope because you always do.
About your partner, though. What might be sensible is to give some serious thought to how far you're prepared to support him. You don't want to get sandbagged by guilt or obligation if God forbid he encounters some life-changing illness or injury and you find you're "expected" to become his full-time caregiver. Have the two of you talked this through, not including flippantly?
I have mixed feelings about advance directives. I see so many people who "never thought" they would encounter frailty or disability or failing mental faculties - you didn't? What, nobody ever told you that in 2022 you'd be ninety-three? - and have undergone a radical change of heart about what constitutes quality of life. We sit there in reasonable good health with a form in front of us and state boldly that we would not choose resuscitation and sign our names to it. But in the back of the ambulance, thinking "SH!T this is it!!!" all of a sudden it all looks very different and people decide they do want to live after all. Fortunately no paramedic, doctor or first responder is going to wave a form at them and say "nope, sorry Mrs G, it says here..." - you are allowed to change your mind.
First think about what is important to you, but don't stop there. Also question why these factors are important, and check that they really are and will continue to be. As an extreme example: there was a wife who rejected respite care for her impossible husband because - I wanted to slap her, to be honest - the facility's garden was north-facing and he liked to spend time out of doors.
Personally, I expect to keep working. Partly because I can't afford to retire, but much more importantly because it's what women in the family do - mother, grandmother, aunts, cousins, they've all gone on doing *something* until at least their late seventies and mostly their eighties. Granny lost her marbles at 91, had her care plan messed up by my peculiar aunt, refused food and died less than four months later. Aunt 1 ignored breast cancer and died 14 months later. Aunt 2 concealed CML and died spectacularly 18 months later. Mother, dear mother, refused to make any plans, accepted my naive suggestion that we all move to the country together, and died 7 years later hating the place, hating the house, and blaming me for her being there (though she didn't hate me. I think.).
What makes a good death? Or, by that question do we mean, what makes a good end-of-life? I don't know that anyone really knows the answer, and I'm quite sure no one has any enforceable right to it. You do to some extent get what you're given, you know.
Still! What do you think you would like, and be able to cope with? And what do you think you couldn't take at any price?
So, how to create a different reality for myself when that day comes is a concern. I see my mom, who was so prepared and yet her pride and preparation was still not enough.
Selfishly, I hope I die before I get old.
Despite the knowledge of and experience that "The best laid schemes o’ Mice an’ Men Gang aft agley," (often go awry), I am a planner. Now part of my plans are always that they are not written in stone but will inevitably change. I plan on it lol. And I count on God's grace to get me through whatever comes.
I planned and worked hard to be financially independent and that one worked out.
I have planned to stay relatively healthy into my old age and am doing not too badly in that regard though this CFS.FM can be a real pain.
I planned on oldest son being my POA etc. and that one didn't work out. Well, back to the planning board there.
I planned on my dd and sil being my current go-to helpers and with her recent cancer diagnosis that didn't work out. As far as the future goes, we will see.
Middle son I am learning not to plan on at all. Having kids is no guarantee for having help or support.
Siblings - well the less said about that the better.
Considering all of the above, I planned on going into an ALF sooner rather than later. Then covid struck, so I scrapped that plan.
Once, years ago, I read that the main characteristic of seniors living successfully was being flexible and able to adapt to change. Made sense then and makes sense now.
I am downsizing to a condo with the idea that it will be more manageable for me than this house and moving a bit south will offer better weather and resources. Looks like this will work out.
Re other significant relationships - I am a risk taker in some regards though not financially. I have given my relationship with R a great deal of thought and work (as has he) to establish something that will be beneficial for both of us. That was the plan. We all benefit from stable loving relationships. We will see how being in closer proximity works for both of us. We both know we are aging and that aging people need support and care e.g. if we get ill or need surgery we also need someone to bring us meals, do a little shopping for us and give us a hug. We even have plans for a recreational property with a workshop for him and trees for me!!!! If all this does not work, I have a plan B (that word again). Hire help as much as I can afford to then back to the ALF option. Thank you, Canada, for providing affordable care.
And so it goes.
Do you remember "Dr. Strangelove or: How I Learned to Stop Worrying and Love the Bomb"
I think he had something there.
I am not relying on others to care for me. I do have a DH that will care for me I am sure. If he goes before me, I do not plan on staying in my house. I have found in life, the only one I can rely on is me. So I will plan accordingly.
As to ourselves we have lifelong saved knowing we would have to do so, in order to be secure in old age. I think we lived in lucky times when one salary could support a family in our early years, when my education as an RN was free (would result in lifelong debts likely now if parents couldn't afford to put kids through college). Where you could start your own small business and thrive. We made certain our kids knew they would be going to college; we managed to get them through it. And our savings should see us out in Assisted living if/when needed.
I think we have been lucky in how we were raised, the times in which we were raised, the way we were taught to save from early childhood and remained "coupon clippers" lifelong even when there was not a "need " to do so, in times when you could save. I think times now are very changed.
I don't think you are alone in your fears. I do know a personal friend who downsized the home she still owed some on, sold at a profit, bought a trailer in a lovely park, can afford the 700.00 a month that includes space and utilities with her social security and still have enough left to support herself, but who has almost no savings. She lives in California. Another has done the same in Oregon, but a fire sustained there means she is again working as an elder because she was not adequately insured, and now lives in a small rental.
There are many. I often wonder that seniors so seldom get together as roommates. Given our aging population I wonder if that will change. I hope admins will switch your "question" to discussions.
I hope there are many and varied answers. I see many saying that "man plans and God laughs". I am an atheist, but if there's a god I am certain he often gets the giggles about me, and I know many humans do as well. I made plans, always, and for me they have worked so far. They included all that coupon clipping, a joke really, I always lived below my means and I saved, saved, saved, saved. My grandson is the same and was raised to it. At 23, instead of college debt he has savings started. I think a lot has to do with luck and genetics. I have managed to stay well. Once your health fails plans are indeed a laugh and a half.
I sure wish you luck.
I often wish that Sarah Palin's "death panels" were a reality. Though I am a democrat, my hand would be raised to volunteer. I have had a happy life, and a lucky one, and am well. As a nurse I have made out all my papers in detail. But I don't relish the end and am the proverbial sissie about age and its losses one after another. I saw my brother, 7 years old than me, through probable Lewy's dementia. I don't care to go there or anywhere like it; he felt lucky in some sense to get sepsis and go on hospice. I guess I am saying I think we live too long. I have had a life and I am ready to head on to the last roundup whatEVER it might be. I have done what I had to do. I wish we had more options in all that regard and I am happy to see "right to die" laws slowly coming.
I think I may have a few visits from nephews and nieces but mostly I expect my social contacts in my later years to be the friends and acquaintances I make at the senior center and church.
A "good" death to me would be like the 93 year old neighbor I knew as a young adult. When a snow was coming, he went to the barn to care for his horses and was carrying some lumbar up his driveway when he had a sudden heart attack and was apparently dead by the time his 88 year old wife called for help and joined him with a quilt.
I'm going to help as many people as I can (in small ways) for as long as I can while enjoying ball games and other local events. If my health and finances allow, occasional travel will give me something to plan for and enjoy too.
"Do not go gentle into that good night"
When he tells readers to "not go gentle into that good night" and "rage against the dying of the light," he's telling them to not accept death passively. Instead, he tells people that the last thing a dying person gets to choose is how he faces death.
be the absolute achievement of a lifetime, I would opt for a docile, compliant exit.
My cousins did the wise thing; they bought into a continuum of care situation where they pay a huge up front fee of around $400K to be cared for for LIFE. They're starting off in a brand new IL apartment that's 1500 sf, decorated to their preferences, 2 bed/2 bath, with a view of the mountains. They pay around $3500 a month in rent which includes about 12 meals a month, per person, in restaurants on the property or delivered to their apartment by staff. They can then move into AL/MC/SNF or cancer care as needed, on the property, but they'd pay rent accordingly in each location, until their money runs out. At which time their care is free of charge until death. If there is money left over when the last one dies, it goes back into their estate.
My DH & I cannot afford such accommodations, but we do have a house that's appreciated in value double-fold since I bought it in 2003. So we'll downsize at some point, pocket the cash and use it for our nest egg in old age. We also have a plan to end our lives (if necessary) with pills & booze if we face a dementia diagnosis or some other horrible fate, and that's that. We feel that in the end, it's easier to go quietly into the night than to burden our children with our care or try to figure out how to pay for LTC in a facility, etc. Although I am not opposed to Assisted Living at all, IF I can afford it. I have no doubt one or more of our 7 children would step up to offer to care for us, but moving in with one of them is NOT in our plans!
The other thing I've thought about lately is manufactured homes; they are quite affordable and quite nice, too. Around here, there are even senior villages of manufactured homes that I want to check out (NOT trailer parks). I wonder if they are becoming popular all over the country?
He also isn't great in a crisis, although I'll give him some credit for being able to call 911 when I had pancreatitis attacks three times in the past couple of months. However, the last time I had to send him home from the hospital because HE was the one about to pass out. (No lie -- he left the hospital and went to work out.) He also has zero curiosity about medical issues and no interest in learning about them or how to treat them. That could be a problem down the line, too. There's no need to learn about medical issues if you'd just work out, you know!
Fortunately, we already have all our powers of attorney and our trust set up, and there's plenty of money to cover nursing homes, if needed. My kids know how I cared for my parents in the past couple of years and they know my desires in terms of care and funerals. I'll have to remind them or readjust my requests as time goes on, since I'm only 60 now and have no expectations of any major crises in the near future now that my gallbladder is gone and no longer causing me issues with my pancreas. However, if something dreadful comes up in the near future, I feel like I can handle whatever comes after having been through it with my folks so recently.
I even voiced my concerns to him about how I see him treat his parents and my question to him was "Is this what I have to look forward to when I start to lose my faculties?" His response was "But you are a girl of love" Girl, LOL! So I take that to mean I'm nothing like his parents and therefore need not worry. I hope and I pray.
I'm glad you've all been generous with your responses. I think this is an important topic and if it is a gentle kick in the right direction as far as planning for your future then I'm glad I brought it up.
I am only a few months into this journey but already know that the last thing I want is for my children to feel this weight. If that lesson is why I’m going through this with my own parents, it will be worth it.
My two young adult children have watched the situation unfold over the past 16 years. They've watched as I've (reluctantly) let go of so much to care for my mother.
I will never ask them to take on the burden of hands-on caregiving. Never.
And, without my prompting, they have both told me that they will make sure I'm cared for properly and if needed they will hire an in-home caregiver.
However, in my heart I don't believe that I'll reach the point of needing someone else to care for me. This gig has taken years off my life and I really no longer care.
And, being in the home healthcare industry, I've been able to see the good, the bad, and the ugly of aging and death. I have had to listen to many adult children "wishing their parents were dead" and others charging up their credit cards because "mom's happiness is the most important thing in the world to me".
With all that said, I have no fear of old age or dying - both are inevitable - and I can have power over both. At some point, my money, my health, or my will to live might expire before my physical body does. I will do what I can to prepare for that day, not obsess over it, nor fear it.
On a happy note, I told my brother I am planning to be cremated. He told me he would spread my ashes in Thailand for me because he knows how much I like it there. My response was, "I like McDonald's too! The parking lot will be fine!"
In my imagination I am making happen that you find things
to bring you joy and enjoyment, be it music, something to watch
on TV, read, see or taste.....
I'm sending you a hug-
Love, Tashi
I'm in your position, too- married but no kids and no close family. I thought about this in my late 30s when children were definitely out of the equation and began saving for health care so that when it got to the point where we couldn't care for ourselves we would (hopefully) be able to afford a nice facility to spend the last years with the company of other residents (it's strange to think that the music of my generation will include Kiss, Metallica, and Van Halen- no Perry Como to lull us to sleep as we doze in our wheelchairs in the solarium!).
In the end, however, we all die alone regardless of where we live or who is with us... the best we can hope for is an easing into it as we get there. My father died 2 months ago in a warm, clean bed in the little hospital of the coal mining town where he had been born 88 years earlier. I am forever grateful to those strangers who took such excellent, kind care of my old dad during his last days and were with him in the early morning hours when his heart gave out. Personally, I hope I am surrounded by that same kind of care when it comes my time but until then I plan to enjoy life and be grateful for whatever each new day brings.
Like my grandparents, parents, aunts and uncles, I expect to outlive most of my friends. Perhaps there will be newer, later friends to spend some last hours visiting with. Perhaps not. However, I do not fear being alone when my time comes, though that may well be the case. I will be letting go of the possessions, the friendships as time goes on, keeping the memories of all the wonderful times in my life. If I happen to be alone when the final letting go occurs, I am sure that it will be spent living in the memories of the good things I have owned, the good times shared with friends and family already gone. There have also been bad times and disappointing purchases. I try to let go of those as quickly as possible. I want to hold on to the things that are best, have the best memories. Ultimately, I will only hang on to the memories. Those, perhaps, will accompany me on my way out of this life. I expect a peaceful death, not missing those things or relationships that I have released, but cherishing the present memories of everything that has brought me pleasure and contentment during this long and eventful life.
I encourage you to let go of any expectations you may have had concerning your sibs and partner, possessions, and career. Focus instead on the happy memories that you can keep with you. Buy or make a few items that will make you particularly happy. Cherish these things, for a while, making the memories that will sustain you. Join a garden club or some other organization where you can make a friend or two based on a loved activity. Hang tight to the memories you are making and let go of any that do not sustain you. You can be happy and satisfied with the memories that you make and keep. Look at old photo albums or year books and try to lock into your minds the good times past, even while letting go of the people and things that made them. I think you will find some peace and contentment there.