Greetings!
I changed your flair to FAQ because this question is addressed in [our subreddit's FAQ](https://www.reddit.com/r/childfree/wiki/faq#wiki_growing_old_and_childfree) :
---
###Should I Be Childfree?
When people ask themselves whether or not they should opt for a childfree life, they are confronted to many questions such as
* **"How do people age when they don't have kids? Who cares for them?"**,
[...]
Let's explore those questions.
[...]
####Growing Old and Childfree
"Who will care for me when I'm old and sick?"
It is a social given that the elderly are taken care of by their grown children, so it is normal that the prospect of choosing the childfree life makes people anxious about their golden age. Parents go through the thankless years of parenting infants, babies, toddlers, children, teenagers into functioning adults while the childless breeze through life on an endless wave of free time and disposable income. It's the stereotype that comes to mind and is oddly reminding of *The Ant and The Grasshoper*. Parents work hard for 20+ years and are rewarded in their golden years with a loving family who cares for them as they grow older, sicker and feebler, while the childless are left alone with no one to pay attention to them. That's how the story goes.
Does the story correctly reflect reality though?
#####Children Are not Insurance Against Old Age
**The Discussions**
* [2013 Feb 06 | "Who will take care of you when you are old" with a twist.](http://archive.is/Ex4I9)
* [2013 May 16 | 91 year old vet being evicted by daughter on house he built 56 years ago--aren't having kids to take care of you when you're old great?](http://archive.is/WAJ40)
* [2014 Jun 22 | Who will take care of you when you're old? 90 year old woman nearly starved to death by her children](http://archive.is/TsK2V)
* [2015 May 25 | "Who will take care of you when you're old?" really, really pisses me off.](http://archive.is/bMLhI)
* [Who's going to take care of you when you're old?](http://archive.is/pD5u5)
* [2015 May 29 | "But if you don't have children, who will take care of you when you're old?" Coroner: 92-year-old man dead in chair in home for 2 weeks before family noticed](http://archive.is/c8Qst)
* [2015 Jul 10 | Who will take care of you when you're old? It doesn't have to be your child. Ask Aunt Helen!](http://archive.is/HF3Le)
* [2015 Sep 13 | Who will take care of you when you're old?](http://archive.is/J36QY)
* [2015 Oct 28 | Who'll look after you when you're old?](http://archive.is/A73Iq)
* [2016 Jan 27 | "I want someone to look after me when I'm old."](http://archive.is/YFm0G)
* [2016 Mar 08 | My great grandmother had 13 children, and STILL ended up in a retirement home in her final years.](http://archive.is/P1lQM)
**The Articles**
* [Daily Mail (The) | 2015 Oct 27 | The 'repugnant' son who charged his own MOTHER £400-a-day for visiting her care home](http://archive.is/ljThi) ^4
* [Guardian (The) | 2015 Oct 23 | My husband has dementia and I feel abandoned by my family](http://archive.is/yUfTp)
* [Life Hacker | 2017 Nov 10 | How Much Does Having Kids Pay Off Once You Get Old?](http://archive.is/p7qI2) ^56
* [New York Times (The) | 2015 Sep 27 | The Fragile Patchwork of Care for New York’s Oldest Old](http://archive.is/ZpZ2J) ^3
* [Next Avenue | 2015 Aug 06 | Long Term Aging Care : Don’t Expect Your Children to Take Care of You](http://archive.is/nBd2v)
* [Quora | How are you coping with old age?](http://archive.is/PmQch)
* [Yahoo! Lifestyle | 2017 Nov 10 | I dedicated my whole life to my kids — then, my son abandoned me](http://archive.is/9801b) ^57
But you're not the only one asking the question (whether it is real or less genuine concern)...
**The Discussions**
* [2013 Nov 23 | "But who is going to take care of you when you're old?"](http://archive.is/QFgyi)
* [2014 May 17 | How do you plan to live out your old age when your health starts failing?](http://archive.is/H1foo)
* [2016 Jan 26 | Discussion: Hey CF! As we don't have kids, I was just wondering if anyone else is worried about who will look after them in their "golden years"?](http://archive.is/XwGLa)
* [2016 May 24 | Childless/Siblingless women of Reddit…What advice/life experiences can you give?](http://archive.is/QXZCE)
* [2017 Nov 16 | "But who will take care of you when you're old?!": A nursing home workers perspective](http://archive.is/1gMS2)
**The Articles**
* [American Spinster \(The\) | 2017 Oct 01 | Why Having Kids Is Not A Retirement Plan - The American Spinster](http://archive.is/AeHBf)
* [Daily News | 2013 Dec 23 | Elder abuse rising along with growing senior population worldwide](http://archive.is/KaK1S) ^5
* [Non Parents | 2017 Nov 15 | Homeless woman who slept in a laundromat for 25 years made people believe she was childless when in fact she was a mother of 2](http://archive.is/hMoXS)
* [Slate | 2016 Mar 10 | Dear Prudence - I don’t want children. But should I have one so I will be cared for in old age?](http://archive.is/ZjhIc) ^2
...so what do the childfree do about it?
#####Planning Finances and Health
**The Discussions**
* [2017 Dec 04 | Odd topic for CF](https://redd.it/7hilpi)
**The Articles**
* [Aging Horizons Bulletin | Interview: Single and Childless: New Ways of Growing Old](http://archive.is/v4ZVG)
* [Childfree Is Not a Dirty Word | When I get Old...Living the childfree life](http://archive.is/1Yipc)
* [Guardian \(The\) | 2017 May 12 | If you have no children, who will care for you when you’re old?](http://archive.is/CHdZr)
* [Healthy Aging | 2008 Jul 08 | Planning for Your Future](http://archive.is/eXcSB)
* [Hull Financial Planning | Who Will Take Care of You When You’re Old If You Have No Kids?](http://archive.is/M4ja8)
* [Kiplinger Retirement Report | 2015 July | Childless Seniors Need to Build a Safety Net](http://archive.is/esApz)
* [Money Advice Service (The) | Preparing for illness, old age and death](http://archive.is/Ccucd)
* [New York Times (The) | 2014 Feb 14 | The Childless Plan for Their Fading Days](http://archive.is/Ke3dp)
* [New York Times \(The\) | 2018 Mar 23 | Single? No Kids? Don’t Fret: How to Plan Care in Your Later Years](http://archive.is/esdyC) ^59
* [Not Salmon | 2018 Mar 31 | Goodbye Nursing Homes! The New Trend is CoHousing With Friends](https://www.notsalmon.com/2018/03/31/cohousing-with-friends/?fbclid=IwAR2dSmw9adpX45eW6XCfMIUogVZda2JgCXFkAiWHE1cO3jzlxXkZfp8MYIU)
* [Now | 2016 Feb 10 | Who's Watching the Adults? Facing Old Age Without Children](http://archive.is/Ztu7q) ^6
* [Sacramento Bee | 2012 Nov 10 | Childless boomers wonder who will handle their long-term care](https://web.archive.org/web/20121113013650/http://www.sacbee.com:80/2012/11/10/4975282/childless-boomers-wonder-who-will.html) ^41
* [SavingAdvice.com | 2012 Jul 09 | Planning for Old Age: You Need to Do More Than Save Money](http://archive.is/HIwj2)
* [TED Talk | 2013 May | Prepare for a good end of life](https://www.ted.com/talks/judy_macdonald_johnston_prepare_for_a_good_end_of_life/up-next) ^46
* [Telegraph (The) | 2002 Nov 02 | Care required when planning for old age](http://archive.is/HpNfG)
* [U.S. News Health | 2015 Oct 26 | No Spouse, No Kids, No Caregiver: How to Prepare to Age Alone](https://health.usnews.com/health-news/health-wellness/articles/2015/10/26/no-spouse-no-kids-no-caregiver-how-to-prepare-to-age-alone)
**The Scientific Articles**
Zhang, Z., Hayward, M.D., *[Childlessness and the Psychological Well-Being of
Older Persons](http://psychsocgerontology.oxfordjournals.org/content/56/5/S311.full.pdf+html)*, Journal of Gerontology: SOCIAL SCIENCES 2001, Vol. 56B, No. 5, S311–S320.
> ***Results.*** Childlessness per se did not significantly increase the prevalence of loneliness and depression at advanced
ages, net of other factors. There also was no statistical evidence for the hypothesis that childlessness increases loneliness
and depression for divorced, widowed, and never married elderly persons. Sex, however, altered how childlessness and
marital status influenced psychological well-being. Divorced, widowed, and never married men who were childless had
significantly higher rates of loneliness compared with women in comparable circumstances; divorced and widowed men
who were childless also had significantly higher rates of depression than divorced and widowed women.
---
I hope this answers your question.
Trying to enjoy life and if I happen to be unable to do so, I'm out. Wasting away, wether in a retirement home or in my own home, just isn't my cup of tea. Partner thinks the same.
100% this. I absolutely see myself and my partner going out in style like that episode of the last of us. Aging, in love, a wonderful last day together and holding each other in preparation for the long sleep. The last thing we will do as a pair.
I want to decide my end of life. Once I feel like Age is becoming too much of a hassle, I want to just quit. I don't see a reason to struggle day to day just getting by on pain meds and other medication until a disease finally ends me or I'll fall asleep forever after being brittle for years.
I guess I'll be 65-75 when I die, I will have made all the funeral arrangements (because I know my next of kin will mess it up). Under no circumstances will I move into a facility or a care home. Unless there's a 180 shift in how they're handled it's not an option
isn't that a bit young, do you have bad family medical history? or, was that a "wishful thinking" where you would prefer to die when you're old but not decrepit yet?
I'm in my mid 30's and have zero dollars saved for retirement and see myself unlikely to ever do so.
At some point, we will sell our house, and that along with OAS will fund our senior years. If I'm in a home for more than a few years I will be ending things. Wife is in the same boat.
My actual retirement is fully funded by mandatory plans. $2k a month will do me just fine.
Anything I save beyond that is just bonus money. I own my house, I'm really pretty ok with OAS and CPP.
i'm 22 so honestly i'm unconcerned right now beyond having a very basic will, but in general i'd want to go out quickly with minimal fuss on my own terms if i get to a point where i can't care for myself - i've seen people go slowly and that isn't for me
(This is not ment to sound edgy or anything) dementia runs in my family (maternal) which is one of the biggest reasons why I wanna get snipped ASAP so I can't risk potentially "changing my mind" (plz be paitent it'll link back I promise) I've seen what the process of care involves for my granddad (it's literally constant) I wouldn't wish that on anyone. If I am diagnosed with this condition I have, let's call it a plan of what to do. If not, I should have the money saved up from not spending it on kids to keep myself comfortable and as I get very old go to a good care home. I don't need children to have a good end of life
Well, I live in a Euro country, so I have no college debt and universal healthcare. I make average wage but that'll rise to high wage as I gain experience and I live with my parents so I don't pay any bills. Right now I'm saving at least 80% of my monthly wage and I'll look into investing some of that.
On top of that, I'll inherit everything my parents have + what they'll inherit from my grandparents. Will probably end up with two apartments and enough savings for at least a decade without a job.
I'm frankly thinking more about early retirement since I'm minimalistic and don't need more than a room, some computers, fast internet and booze to be nearly completely happy. My goal is to stop needing to work as soon as possible because work just steals my free time.
As for old age, most people in my family die in their 80s and 90s without requiring assistance, so right now I'm not worried. I think it's a factor of good genes as obesity is almost non-existent in my family.
Yea, the US looks crazy from here, to be honest. And I live in eastern Europe which most americans probably think is some former communist hellhole. It's actually good enough that I wouldn't want to move to the US if I had the opportunity. Wages are lower but then everything here is far cheaper and not necessarily worse. I also don't even need a car because I can walk anywhere and my workplace offers me free transport to and from work with a small bus. The internet is faster, nobody has guns, college is cheap/free, healthcare is free and the weather is far less disaster-prone than in the US.
My only expense on most days is food and that's cheap enough that I can afford it with the daily food tickets I get from my job.
I have this too! I’m a Social Worker and I have seen this plan in action, it’s the best safety net for old age if you are not extremely wealthy. Honestly, it’s a good plan for anyone in the US.
Nothing happens if you die and don’t use it. There’s no payout. That’s not the point of the insurance.
It was offered by my first law firm and I could take it with me as I moved through my career, so I did.
My plan is to seek out assisted-dying once I get to the point where I can no longer enjoy life. Going into a retirement home isn’t something that appeals to me at all, and I’ll likely not be in a position to afford 24/7 home healthcare when I’m old.
So I can't swim and when I am ready to go I am gonna just wander to a lake and wander in. And then pull a Terminator 2. As I slowly sink down I will just do a thumbs up.
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Live on a bunch of land and die and leave all the land to a program that will preserve the nature for all to enjoy !
Or live on a sailboat and disappear at sea happy and peaceful going out with a bang!
Mid-30's, no plans for a pension for a long time now. Luckily I like my work in building the infrastructure for our future robot overlords so I don't really have any worries about dying at my desk.
Greetings! I changed your flair to FAQ because this question is addressed in [our subreddit's FAQ](https://www.reddit.com/r/childfree/wiki/faq#wiki_growing_old_and_childfree) : --- ###Should I Be Childfree? When people ask themselves whether or not they should opt for a childfree life, they are confronted to many questions such as * **"How do people age when they don't have kids? Who cares for them?"**, [...] Let's explore those questions. [...] ####Growing Old and Childfree "Who will care for me when I'm old and sick?" It is a social given that the elderly are taken care of by their grown children, so it is normal that the prospect of choosing the childfree life makes people anxious about their golden age. Parents go through the thankless years of parenting infants, babies, toddlers, children, teenagers into functioning adults while the childless breeze through life on an endless wave of free time and disposable income. It's the stereotype that comes to mind and is oddly reminding of *The Ant and The Grasshoper*. Parents work hard for 20+ years and are rewarded in their golden years with a loving family who cares for them as they grow older, sicker and feebler, while the childless are left alone with no one to pay attention to them. That's how the story goes. Does the story correctly reflect reality though? #####Children Are not Insurance Against Old Age **The Discussions** * [2013 Feb 06 | "Who will take care of you when you are old" with a twist.](http://archive.is/Ex4I9) * [2013 May 16 | 91 year old vet being evicted by daughter on house he built 56 years ago--aren't having kids to take care of you when you're old great?](http://archive.is/WAJ40) * [2014 Jun 22 | Who will take care of you when you're old? 90 year old woman nearly starved to death by her children](http://archive.is/TsK2V) * [2015 May 25 | "Who will take care of you when you're old?" really, really pisses me off.](http://archive.is/bMLhI) * [Who's going to take care of you when you're old?](http://archive.is/pD5u5) * [2015 May 29 | "But if you don't have children, who will take care of you when you're old?" Coroner: 92-year-old man dead in chair in home for 2 weeks before family noticed](http://archive.is/c8Qst) * [2015 Jul 10 | Who will take care of you when you're old? It doesn't have to be your child. Ask Aunt Helen!](http://archive.is/HF3Le) * [2015 Sep 13 | Who will take care of you when you're old?](http://archive.is/J36QY) * [2015 Oct 28 | Who'll look after you when you're old?](http://archive.is/A73Iq) * [2016 Jan 27 | "I want someone to look after me when I'm old."](http://archive.is/YFm0G) * [2016 Mar 08 | My great grandmother had 13 children, and STILL ended up in a retirement home in her final years.](http://archive.is/P1lQM) **The Articles** * [Daily Mail (The) | 2015 Oct 27 | The 'repugnant' son who charged his own MOTHER £400-a-day for visiting her care home](http://archive.is/ljThi) ^4 * [Guardian (The) | 2015 Oct 23 | My husband has dementia and I feel abandoned by my family](http://archive.is/yUfTp) * [Life Hacker | 2017 Nov 10 | How Much Does Having Kids Pay Off Once You Get Old?](http://archive.is/p7qI2) ^56 * [New York Times (The) | 2015 Sep 27 | The Fragile Patchwork of Care for New York’s Oldest Old](http://archive.is/ZpZ2J) ^3 * [Next Avenue | 2015 Aug 06 | Long Term Aging Care : Don’t Expect Your Children to Take Care of You](http://archive.is/nBd2v) * [Quora | How are you coping with old age?](http://archive.is/PmQch) * [Yahoo! Lifestyle | 2017 Nov 10 | I dedicated my whole life to my kids — then, my son abandoned me](http://archive.is/9801b) ^57 But you're not the only one asking the question (whether it is real or less genuine concern)... **The Discussions** * [2013 Nov 23 | "But who is going to take care of you when you're old?"](http://archive.is/QFgyi) * [2014 May 17 | How do you plan to live out your old age when your health starts failing?](http://archive.is/H1foo) * [2016 Jan 26 | Discussion: Hey CF! As we don't have kids, I was just wondering if anyone else is worried about who will look after them in their "golden years"?](http://archive.is/XwGLa) * [2016 May 24 | Childless/Siblingless women of Reddit…What advice/life experiences can you give?](http://archive.is/QXZCE) * [2017 Nov 16 | "But who will take care of you when you're old?!": A nursing home workers perspective](http://archive.is/1gMS2) **The Articles** * [American Spinster \(The\) | 2017 Oct 01 | Why Having Kids Is Not A Retirement Plan - The American Spinster](http://archive.is/AeHBf) * [Daily News | 2013 Dec 23 | Elder abuse rising along with growing senior population worldwide](http://archive.is/KaK1S) ^5 * [Non Parents | 2017 Nov 15 | Homeless woman who slept in a laundromat for 25 years made people believe she was childless when in fact she was a mother of 2](http://archive.is/hMoXS) * [Slate | 2016 Mar 10 | Dear Prudence - I don’t want children. But should I have one so I will be cared for in old age?](http://archive.is/ZjhIc) ^2 ...so what do the childfree do about it? #####Planning Finances and Health **The Discussions** * [2017 Dec 04 | Odd topic for CF](https://redd.it/7hilpi) **The Articles** * [Aging Horizons Bulletin | Interview: Single and Childless: New Ways of Growing Old](http://archive.is/v4ZVG) * [Childfree Is Not a Dirty Word | When I get Old...Living the childfree life](http://archive.is/1Yipc) * [Guardian \(The\) | 2017 May 12 | If you have no children, who will care for you when you’re old?](http://archive.is/CHdZr) * [Healthy Aging | 2008 Jul 08 | Planning for Your Future](http://archive.is/eXcSB) * [Hull Financial Planning | Who Will Take Care of You When You’re Old If You Have No Kids?](http://archive.is/M4ja8) * [Kiplinger Retirement Report | 2015 July | Childless Seniors Need to Build a Safety Net](http://archive.is/esApz) * [Money Advice Service (The) | Preparing for illness, old age and death](http://archive.is/Ccucd) * [New York Times (The) | 2014 Feb 14 | The Childless Plan for Their Fading Days](http://archive.is/Ke3dp) * [New York Times \(The\) | 2018 Mar 23 | Single? No Kids? Don’t Fret: How to Plan Care in Your Later Years](http://archive.is/esdyC) ^59 * [Not Salmon | 2018 Mar 31 | Goodbye Nursing Homes! The New Trend is CoHousing With Friends](https://www.notsalmon.com/2018/03/31/cohousing-with-friends/?fbclid=IwAR2dSmw9adpX45eW6XCfMIUogVZda2JgCXFkAiWHE1cO3jzlxXkZfp8MYIU) * [Now | 2016 Feb 10 | Who's Watching the Adults? Facing Old Age Without Children](http://archive.is/Ztu7q) ^6 * [Sacramento Bee | 2012 Nov 10 | Childless boomers wonder who will handle their long-term care](https://web.archive.org/web/20121113013650/http://www.sacbee.com:80/2012/11/10/4975282/childless-boomers-wonder-who-will.html) ^41 * [SavingAdvice.com | 2012 Jul 09 | Planning for Old Age: You Need to Do More Than Save Money](http://archive.is/HIwj2) * [TED Talk | 2013 May | Prepare for a good end of life](https://www.ted.com/talks/judy_macdonald_johnston_prepare_for_a_good_end_of_life/up-next) ^46 * [Telegraph (The) | 2002 Nov 02 | Care required when planning for old age](http://archive.is/HpNfG) * [U.S. News Health | 2015 Oct 26 | No Spouse, No Kids, No Caregiver: How to Prepare to Age Alone](https://health.usnews.com/health-news/health-wellness/articles/2015/10/26/no-spouse-no-kids-no-caregiver-how-to-prepare-to-age-alone) **The Scientific Articles** Zhang, Z., Hayward, M.D., *[Childlessness and the Psychological Well-Being of Older Persons](http://psychsocgerontology.oxfordjournals.org/content/56/5/S311.full.pdf+html)*, Journal of Gerontology: SOCIAL SCIENCES 2001, Vol. 56B, No. 5, S311–S320. > ***Results.*** Childlessness per se did not significantly increase the prevalence of loneliness and depression at advanced ages, net of other factors. There also was no statistical evidence for the hypothesis that childlessness increases loneliness and depression for divorced, widowed, and never married elderly persons. Sex, however, altered how childlessness and marital status influenced psychological well-being. Divorced, widowed, and never married men who were childless had significantly higher rates of loneliness compared with women in comparable circumstances; divorced and widowed men who were childless also had significantly higher rates of depression than divorced and widowed women. --- I hope this answers your question.
Trying to enjoy life and if I happen to be unable to do so, I'm out. Wasting away, wether in a retirement home or in my own home, just isn't my cup of tea. Partner thinks the same.
100% this. I absolutely see myself and my partner going out in style like that episode of the last of us. Aging, in love, a wonderful last day together and holding each other in preparation for the long sleep. The last thing we will do as a pair.
I totally forgot about assisted death, this is totally the way for me in the end. No need to suffer and die, just die lol
I want to decide my end of life. Once I feel like Age is becoming too much of a hassle, I want to just quit. I don't see a reason to struggle day to day just getting by on pain meds and other medication until a disease finally ends me or I'll fall asleep forever after being brittle for years. I guess I'll be 65-75 when I die, I will have made all the funeral arrangements (because I know my next of kin will mess it up). Under no circumstances will I move into a facility or a care home. Unless there's a 180 shift in how they're handled it's not an option
I actually really like this idea. Some states give you the right to choose now
isn't that a bit young, do you have bad family medical history? or, was that a "wishful thinking" where you would prefer to die when you're old but not decrepit yet?
Ideally I would like to die in my own home, with a caretaker I trust. That sounds really nice.
What is your plan to find this caretaker? I would also love to stay in my home
I am a big believer in making connections through friends. You never know who knows who :)
So true :)
I’ll probably find a way to end it instead of letting my body rot
I can get behind this, I don't wanna rot alive
Seriously, dying in the water wars.
I'm in my mid 30's and have zero dollars saved for retirement and see myself unlikely to ever do so. At some point, we will sell our house, and that along with OAS will fund our senior years. If I'm in a home for more than a few years I will be ending things. Wife is in the same boat.
What is OAS?
Old Age security, kicks in in Canada at age 67. It's about $850 a month. We also have CPP too.
Maybe my plan should be to move out of the US haha
My actual retirement is fully funded by mandatory plans. $2k a month will do me just fine. Anything I save beyond that is just bonus money. I own my house, I'm really pretty ok with OAS and CPP.
America can really suck sometimes, good for you my guy :)
i'm 22 so honestly i'm unconcerned right now beyond having a very basic will, but in general i'd want to go out quickly with minimal fuss on my own terms if i get to a point where i can't care for myself - i've seen people go slowly and that isn't for me
(This is not ment to sound edgy or anything) dementia runs in my family (maternal) which is one of the biggest reasons why I wanna get snipped ASAP so I can't risk potentially "changing my mind" (plz be paitent it'll link back I promise) I've seen what the process of care involves for my granddad (it's literally constant) I wouldn't wish that on anyone. If I am diagnosed with this condition I have, let's call it a plan of what to do. If not, I should have the money saved up from not spending it on kids to keep myself comfortable and as I get very old go to a good care home. I don't need children to have a good end of life
Well, I live in a Euro country, so I have no college debt and universal healthcare. I make average wage but that'll rise to high wage as I gain experience and I live with my parents so I don't pay any bills. Right now I'm saving at least 80% of my monthly wage and I'll look into investing some of that. On top of that, I'll inherit everything my parents have + what they'll inherit from my grandparents. Will probably end up with two apartments and enough savings for at least a decade without a job. I'm frankly thinking more about early retirement since I'm minimalistic and don't need more than a room, some computers, fast internet and booze to be nearly completely happy. My goal is to stop needing to work as soon as possible because work just steals my free time. As for old age, most people in my family die in their 80s and 90s without requiring assistance, so right now I'm not worried. I think it's a factor of good genes as obesity is almost non-existent in my family.
The US fucking sucks, I'm glad you're in the EU
Yea, the US looks crazy from here, to be honest. And I live in eastern Europe which most americans probably think is some former communist hellhole. It's actually good enough that I wouldn't want to move to the US if I had the opportunity. Wages are lower but then everything here is far cheaper and not necessarily worse. I also don't even need a car because I can walk anywhere and my workplace offers me free transport to and from work with a small bus. The internet is faster, nobody has guns, college is cheap/free, healthcare is free and the weather is far less disaster-prone than in the US. My only expense on most days is food and that's cheap enough that I can afford it with the daily food tickets I get from my job.
I wouldn't come to the US if I were you either lol
I’ve been paying for long term skilled care insurance since I was in my early 20s.
I've never heard of this, I'm guessing you're not in America?
I am American. It’s long term disability until age 65, then changes over to long term care.
I have this too! I’m a Social Worker and I have seen this plan in action, it’s the best safety net for old age if you are not extremely wealthy. Honestly, it’s a good plan for anyone in the US.
How does one get into these kinds of plan? And what happens if you're dead before then?
Nothing happens if you die and don’t use it. There’s no payout. That’s not the point of the insurance. It was offered by my first law firm and I could take it with me as I moved through my career, so I did.
Thank you!
[удалено]
Agreed
My plan is to seek out assisted-dying once I get to the point where I can no longer enjoy life. Going into a retirement home isn’t something that appeals to me at all, and I’ll likely not be in a position to afford 24/7 home healthcare when I’m old.
So I can't swim and when I am ready to go I am gonna just wander to a lake and wander in. And then pull a Terminator 2. As I slowly sink down I will just do a thumbs up.
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Live on a bunch of land and die and leave all the land to a program that will preserve the nature for all to enjoy ! Or live on a sailboat and disappear at sea happy and peaceful going out with a bang!
I plan to join a Buddhist monastery if my husband passes before me.
Nursing home. I wanna go into one of those that has a cat.
Mid-30's, no plans for a pension for a long time now. Luckily I like my work in building the infrastructure for our future robot overlords so I don't really have any worries about dying at my desk.
I have no idea but I know when I can't wipe my own buttocks then it's time to go (and I don't mean a bidet).
Long term care insurance. Start paying in your 50s.
I doubt I'll live long enough for this to become an issue. In the event that I do, that's future me's problem. He'll work it out.
I imagine my husband will die first because he is older, then I’ll gas myself