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Originally Posted by Mellowicious
Granted it’s a lot easier - a LOT easier - when your basic needs are covered
I agree. One thing I've thought a lot about is how some unknowns, like healthcare and how much money I will need to cover expenses until the unscheduled date of exit-ing the mortal coil - in other words insecurity - pushes the "moar" button quietly and constantly and leads to overshoot. Curiously, it's a common argument against "social" security that people will all become lazy mooches. But maybe that's more (not moar) what we should be doing.

Think of the irony of the "labor saving" devices of the last half century - promoting the idea that if we just had all these gadgets to make life easier that we would have more time to be lazy. Well, THAT sure as cars backfired!


You never change things by fighting the existing reality.
To change something, build a new model that makes the old model obsolete.
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Always wondered how you were supposed to “plan” for retirement given the uncertainty of health care and length of life. Sure would like to spend that last $1.85 an hour before kickoff time but with my luck I’d go into overtime…


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It depends on how well you want to live near the end. Rich people have no problem meeting all there needs except for the inevitable. Middle income people may want to buy Long Term Care insurance, so they can sustain a pretty comfortable middle class life style until the end. Otherwise you end up impoverished when the state takes everything and puts you in poor-house care. Of course, that means no inheritance for your kids, but if they can't take care of themselves by the time you die, screw 'em.


We're flying electric helicopters on Mars yet you can't turn on your clothes dryer in Texas. That's because scientists are in charge of Mars, and Republicans are in charge of Texas.
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Long Term Care insurance, that helps one stay in their home, is VERY expensive, and many will not be eligible even if they have the money. We were lucky enough to sign up for it, after my wife and her sibs took turns caring for their slowly dying Mother. The criteria for entry are stringent and enforced. A nurse came to our home and collected blood and urine specimens, collected complete family and medical histories, and administered a complex dementia screening exam.

They clearly dont want any physically healthy people who might get demented and live a very long and expensive life. Pre-existing conditions and family history may exclude many. I felt OK about the scrutiny, as this is one of the ways that the company keeps it's astronomical yearly premiums as low as possible. The rates go up every year, with dramatic increases at 65 or so. That is for a NY State plan at least. Its not like flood insurance that you can get when the water starts rising. Most experts say you should get into it at age 55.


all you need to know about LTC

TAT

Last edited by TatumAH; 10/21/21 03:54 AM. Reason: add a lynx

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Originally Posted by pondering_it_all
It depends on how well you want to live near the end. Rich people have no problem meeting all there needs except for the inevitable. Middle income people may want to buy Long Term Care insurance, so they can sustain a pretty comfortable middle class life style until the end. Otherwise you end up impoverished when the state takes everything and puts you in poor-house care. Of course, that means no inheritance for your kids, but if they can't take care of themselves by the time you die, screw 'em.
Are you saying that a facet of American culture is long term health care is a matter of money, and if you don’t have enough, then you get to slowly rot in the back bedroom or under a sheet of cardboard out on 5th Street?

In some cultures it is appropriate to put Grandma “on ice” when the long term care balance sheet tips.

This might be an area of opportunity for us as Americans to intentionally carve out a cultural practice that is more humane.

Or is there anything intentional about cultures?


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Care for old people in the US.is damn near criminal. The Green House Project is worth checking into but they are still few and far between, I think.

https://thegreenhouseproject.org


Julia
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So what's the point of preserving the lives of the old and disabled beyond(far beyond) their productive years?

For clarity's sake, I am old and disabled. Not as old as some, not as disabled as others. But I'm completely useless as far as society is concerned. A burden.

And I'm okay with that.

I never planned anything. Forced into retirement in 2008 at 55, deeply in debt, went bankrupt, spent time in a mental facility, failing health, wheelchair.

Plato said that if you want to make Herokles rich, do not add to his store of wealth, but subtract from his list of desires.


Good coffee, good weed, and time on my hands...
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I think everyone has the right to stick around whether they’re productive or not. I know we way overmedicate, and that’s not good. I think doctors - particularly gerontologists / should have in-depth interviews with old folks at a certain point in time (no, I don’t know what that is.) to make some decisions (which should be revocable.)


Julia
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Quote
I think everyone has the right to stick around whether they’re productive or not.

I'm glad we think alike on this! I plan to be around and to be completely useless for a long time.

Some are overmedicated and some are undermedicated, I've been both at one time or another nearly died from both of them.

As long as I'm having a good time I'm gonna stick around...and quite frankly, I'm having the time of my life!


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A line I just heard on TV: “money isn’t everything, so long as you have enough of it. “


Julia
“It’s the shipwreck that leads you to the magical island.”
(Trevor Noah)
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