Taking care of self?

I am also 63, but not an only child and a mom to 5.

Do I expect that any one of my kids will step up to take care of me?

Nope.

Still married, but to a man with multiple health problems and I have almost lost him 4 times already, so, I plan I will be a semi-young widow.

We have saved as much money as we can, and plan to move to a 2 story home that can have the basement be an apartment, for either grands coming to go to college or for CGs for either one or both of us, should the need arise.

I have seen so many people in your exact situation, and although I do feel for them, I think that is what has spurred me to action. (DH doesn't care, he thinks I will always be here, doing all the 'stuff'. I know better. Mother has been a widow for 16 years now, and altho she is 90, she could easily make it to 100. You can outlive your 'worth' as it were.)

You can entrust and attorney to handle your affairs, when the time comes. A lot of people do just that.

Right now you are probably feeling lost and drifting, w/o your parents around and no close family. Do you have ANY family? Not to be using them, but now you have some time--can you link up with them again?

The idea of a grief group or even a support group of like-minded individuals might be helpful at this time.

And, bless you for being able to care for your folks for so long. That is incredible and wonderful. You have a loving, giving spirit. Let that be your guide.

I know that you can go through the legal system to have them help you if and when the time comes, but ideally a close friend or extended family member that knows you best would probably do a better job handling your affairs for you. Just make sure that it's someone you trust and make your wishes known to them ahead of time. That of course will mean designating that person to be your medical and durable power of attorney as well, as they won't be able to do much without those. Better to do this sooner than later. Best wishes.

I am in the same boat. I am 55 and I know I will need to make plans for myself early, meaning I will choose a facility that has independent assisted living and memory care all in the same place do I can transition as needed. Right now I think I will go where my grandmother lived. I will move in before I have to. In my Trust document I have a fiduciary company picked out to be my guardian and conservator in the event I become incompetent. After what I went through with my mother, I promised myself I would make these decisions early so I wouldn’t end up one of this sad cases the State has to take care of.

You are far from over the hill. Decide what you would like from the rest of your life and go for it. For the legal part - make a revocable living trust and spell out in it exactly what you want. In CA - I have a professional fiduciary that will take over the financial part and POA for health as well . A fiduciary working with my attorney will enforce what I have already set up in my trust. I also have pets - so my trust is also a pet trust that says what is to happen to them if I become incapacitated or die. Then name a caregiver (this can be an agency or person). I own my home so the plan would be to hire a live in CG if necessary. Providing a rent free place to live, and a bit of a salary. There is a form where you express your end of life care - what you want and do not want - get it done while you can. Once that is taken care of - keep it updated - be sure all assets are put in trust - review every so often. Then most important. Enjoy your remaining life - you took care of parents - they had a life before you - now it is your turn.

I would look into a senior community with accessible apts or condos and a menu of optional services like housekeeping and dining. Social activities are important if you are otherwise alone. We will not all need to be in a medical institution. Most people who end up in a nursing facility are there less than 3 years.

My mother died 8 months ago and time has not made things any easier or better.
You learn to adapt to it--okay people die, and nobody escapes death. The only person who is suffering is myself--she no longer suffers the ills of the flesh. It's over for her. Mine has only just begun. So mourn for yourself. But also never forget death is natural--it is something people are supposed to do. I am extremely thankful I have no children so spare them this kind of suffering of life.

In many ways this is a source of comfort knowing the cycle of life-suffering-death is over for mom and nothing on heaven or earth can ever hurt her. So save your tears for yourself and do your best to recreate yourself in the midst of change.

You are no longer your mom's or dad's child. You are yourself.

I no longer am afraid of life -- because what could possibly hurt me any worse than losing mom.

My cousins never had any children and nobody who could take care of them in their old age, which has been of major concern to them for decades now. So they purchased an apartment in a senior development with a buy in cost (in addition to monthly rent) that keeps them and cares for them until they die, providing them the type of care they need, even if they run out of money. They've started out in Independent Living about 5 months ago, and can transition into Assisted Living, Cancer Care, or Skilled Nursing should the need arise. They buy in was expensive, around $450K which was acquired through the sale of their home, and then they pay monthly rent according to which level of care they need. The property is called Wind Crest, and here is their website:

https://www.ericksonliving.com/wind-crest?utm_source=google&utm_medium=local&utm_campaign=WCD

I don't know if you have properties like this where you live, or if properties like this exist elsewhere, but I'm sure they do since many people do not want to be a burden to family members and expect to be cared for by them. Not everybody even WANTS such a thing (me included).

Best of luck finding a good alternative that works for you!

I'm so very sorry your loss. Another generation passing. No advice but to be very proactive with your OWN health now. I am 63 as well. Hadn't had a pap smear or mammogram in years. In early March I had a huge unexpected issue of blood and over the next 2wks was diagnosed with endometrial cancer. Soon thereafter my 92yr old dad fell and broke his hip (I'm his live-in caregiver). I spent 5 nights in the hospital with him (afraid to leave with COVID-19 restrictions) before he was transferred to a rehab facility for 36 days (many ph calls with staff and dad), during which time I had a total hysterectomy. Thankfully my daughter also lives with us and was laid off, so I had a personal caregiver for the first 3wks of recouping, which also overlapped with my dad's first wk back at home. Decided to have a mam 3wks ago before radiation therapy begins this month. The scheduler at the clinic was great when I explained my upcoming radiation and caregiver situation. Wellness mam turned into a diagnostic mam which turned into a needle biopsy. Pathology came back with a malignancy. Now I'm set to meet with a breast oncologist this Friday to determine plan of treatment for breast cancer after the brachytherapy ends. Double whammy.

EVERYONE: Making doctor appts for yourself can be very frustrating and inconvenient when you're the caregiver for someone. Who will watch them? How will it fit in and around their care? And paps and mams are so very uncomfortable, but only for a very brief amount of time. Hopefully your own lab results will be negative, or at the very worst can catch cancer early. Now I preach to all of my female friends and relatives to make it happen and GETTER DONE.

katie, well done, I’m sorry they’ve passed and they were so lucky to have you! Only child, 55, same as mammadrama I’m going to move to a progressive facility. I’m leaning toward the ones where you make a hefty payment up front and they keep you if your money runs out one day. And I need to do the attorney part, thanks to the other replies!

I will be in a similar situation to yours someday. There are some good ideas and suggestions listed here. You just need to determine which one is best for you. My first step would be to find a lawyer you like and trust to draw up the necessary documents and give you advice. You want a lawyer or law firm who would likely still be around if something happened to you.