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Im 67 and still able to care for myself own my house and have a car. My neighborhood is going down. What should I do?

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You can sell your home now, before the neighborhood declines further and property values decrease, and move into a Independent Senior Living apartment with Assisted Living available if needed at some point. You can take your car too.

Good luck to you.
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Reply to lealonnie1
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Simplify your life!

Make your home easy to clean and keep up on maintenance, but surround yourself with what brings your joy (borrowed from Mari Kondo). Try to automate bill-paying so you have less work on finances. If yardwork is getting difficult, hire a service and/or streamline those garden beds with easy care perennials and lots of mulch. Sort through those closets and donate all those clothes you don't wear often. Keep 1-2 special outfits and donate to outreaches to help those in need. Work slowly through each area of your life to make it easier to manage.

When/If you need more help, consider ways to meet those needs that do not involve "senior services" - which are expensive. Grocery delivery is cheaper than home health aides bringing groceries into your home. Housecleaning services are less expensive than home health aides. Food plan companies are more expensive than ready-to-eat/heat foods from the grocery store. Uber/Lyft/taxis/senior bus services are less expensive than medical transport - but be honest about your limitations and needs when booking them.

Generally, assisted living is expensive and not covered by insurance. Home health care is usually covered for a limited time after hospitalization (usually up to 20 days) and then you must pay for the services. Expect that any worker through an agency makes minimum wage and the agency doubles or triples that hourly wage for using their services.
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Reply to Taarna
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Lealini1 is completely right. Don’t wait. Get things going on another, safer area to live. 😊

You’ll be happier in a new, safe environment.
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Reply to KatTorrecillas
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You are young and sound to like you are doing well. Look into 55+ communities. You’re not ready for assisted living.
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Reply to Sami1966
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That is a massive subject. You are talking physical, mental, emotional needs that increase with aging. As you are young still, in your 60s, I wonder why you are concerned with this at this time. You are aware of your home, and the care required, and aware of your ability to continue to do it, aware when and if you should downsize dependent on your finances and ability to hire in some help for yourself.

Be a bit more specific, if you will, about your concerns, because I am having difficulty knowing what you are wanting to plan for, how much family support or friend support you have, and etc.

And do stay tuned to a Forum just like this one!
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Reply to AlvaDeer
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DDC1981: Perhaps you can look into 55 and up communities.
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Reply to Llamalover47
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I'm hard of hearing but I'm fairly good health.
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Reply to DDC1981
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Glad you're thinking about it now and it's not only about the neighborhood but how long you can keep up with maintenance of being a homeowner. Assisted living is pretty expensive but they do have a plus side to them. Three meals a day and outings to go out to shopping or events in case you become immobile and staff that checks in on you. There's a link to get help in finding Assisted living in the forum headers. You can weigh your options after getting some information from them. Maybe all you need is a senior apartment complex? Some place where you don't have any more responsibilities of property maintenance and you feel safe and secure. Yes,definitely a security apartment with coms and buzzer for admittance. I live in a 7 apartment building with key entry as security,really quiet! Why are you wanting to know about home health care?
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Reply to JuliaH
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Since you are still able bodied, you have options!

Since your neighborhood is going down, you could sell your current place and move to another neighborhood

...or, you could move into a senior community.

We have places that provide independent living, that when the time comes, will move you into assisted and if needed memory care for a fraction of the cost of other options.. Independent living can mean having a small kitchen, stove, fridge in the room, to a more dormitory style where there is a communal dining room and you have a small fridge in your room for cold drinks and perishable snacks. Some have parking and some don't. Some allow pets and some don't. Some include housekeeping service and laundry and some don't.

Some have floors/buildings of independent living and right next door is the assisted living. These places generally have rehab facilities also.

We have one facility where the apartments are sold on the MLS, however the services are managed through the HOA....and they have the entire range of facilities of independent, assisted, memory care, rehab and nursing..and parking.

Financially, some people pay a lot of money up front, then pay a minimum monthly fee, then get some of it back after they leave. Others pay less in up front, and pay a higher monthly fee, however get nothing back when they leave. Others are more like month-to-month rentals

I suggest that you start doing your research. If you are interested in a place, you probably will have to put some money down to be on the wait list. I know of people who have been waiting for an independent living spot for 2 years and are still waiting.

Now, while you have the energy and are in good health, is good time to start the research and perhaps, secure a spot on the waiting list.
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Reply to ChoppedLiver
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CheleR Sep 4, 2025
Can I have more info for the MLS option please?
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Age 64 here. I'm working on cleaning things out of my house and donating.

I'm also going to:

replace 2 standard toilets with ADA toilets (taller)
put a railing on wall for 2 steps from garage to house

I'm maintaining my house. I just replaced my roof and gutters. I have some windows that have fogged and am going to replace those.
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Reply to brandee
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