Your strategy for end-of-life care if you don't have children?

fuzzybabybunny

Moderator<br>Digital & Video Cameras
Moderator
Jan 2, 2006
10,455
35
91
Serious question.

For those people who don't plan on ever having kids, what's your strategy for your close-to-end-of-life care? If you're going to say a bullet to the brain or other forms of suicide don't bother replying to this thread.

I've been thinking a lot about this especially because I've been traveling quite a bit worldwide and I've seen the contrasting strategies that different countries and cultures take.

- Depending on Children -

I'm 30, Chinese, single, with no kids. Parents are 67.

End-of-life care is provided by one's children. It's an Asian thing, and it's also the reason why Asian governments don't provide much for their elderly because culturally it is the responsibility of their children to take care of them when they get old, frail, and eventually bedridden.

My parents, for example, would never forgive me if I sent them to a nursing home. I don't want kids or even a spouse, so that puts me in a very difficult situation to look after both of them as they get closer to passing away. it also puts ME in a difficult situation for when I get older.

- Care through Private Funds and Private Institutions -

People use a combination of social security payments, personal savings, and help from family to fund their own nursing home and hospice care through private providers. This gets expensive and medical costs can bankrupt personal finances and the finances of family members. But that's what we seem to have in America.

- Care through the Government -

Become citizens of places like the UK and NZ. Having personal experience in NZ through my elderly aunt and uncle, I know that the government will provide housing, nursing care, a stipend for food and such, and even transportation to the elderly. No family required. Health care is also included.

--

So I go back to my original question, for those who don't plan on having kids, what is your strategy for your own care when you get old?

There's a lot of talk from people (especially younger people) asserting their "independence" and "freedom" by choosing not to have kids and family, but while that might be all well and good while they're *healthy* and can still enjoy life without external help, I feel that this line of thinking is short-sighted and will inevitably cause problems.

Because we *all* eventually become dependent on the support of others once we get old.
 

piasabird

Lifer
Feb 6, 2002
17,168
60
91
I sometimes wonder if it is humane to try to keep people alive longer and longer only to live in pain and wasting vast amounts of money for medical costs. I am in a situation right now where my wife has a terminal but slow illness and I might outlive her. She has Parkinson's disease. She cant walk or drive, but she is still a fairly functional human being. We let her do as much as she is able and help out.

Things are rough right now because a lot of people are working longer and longer with not enough for retirement. Some people are saving nothing.

I already have children. Family is the foundation of a civilized society. Unfortunately some people for whatever reason do not get married. Some people find help from churches or other organizations like the red cross and the united way, etc.
 
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purbeast0

No Lifer
Sep 13, 2001
52,930
5,802
126
i have a son now and plan to have another kid at some point. i don't plan on being a burden on them and having them support me when i get older. i hope to stay active and healthy a long time, but i also hope that when i go it's before i become someone that requires being taken care of. i have a few great aunts/uncles who are late 80's/early 90's who live on their own in their own home still and i hope to be able to be living that way. obviously there is no telling if that will happen or not but that is what im hoping.

if not i hope to be wealthy enough that i can live in a very nice assisted living facility but who knows.
 

CraKaJaX

Lifer
Dec 26, 2004
11,905
148
101
Going by the statistics that men typically go before women, my sister (or wife, if I ever "settle down" - which is unlikely) will be taking care of me.

This thread reminds me of the Freakonomics podcast I listened to this morning - 'Why Marry?'

Great question.
 

dullard

Elite Member
May 21, 2001
25,214
3,626
126
My plan as well, I mean, what could go wrong?
I realize that you weren't serious, but many people do expect this as a backup plan. Ultimately, they find out that (a) the government doesn't provide much and (b) you need to basically become impoverished first. This means you need to sell off absolutely everything you have and spend that money first (also the stuff and proceeds can't go to family since that too would need to be drained dry first).

It is a harsh hurdle that people didn't realize they were planning on.
 

dullard

Elite Member
May 21, 2001
25,214
3,626
126
My wife and I have this debate now and then. We have no kids, and she is perfectly fine with it. I am fine with that choice but want us to know that the implied help / companion / friend / caregiver that generally comes with kids can't be counted on when you have no kids. Her rebuttal is that you can never truly count on your kids to be alive, or even to be there--just having kids isn't foolproof.
Long term care insurance?
I would say that but I've heard the cost is prohibitive.

My plan instead is to save more than I should for retirement.
 

kranky

Elite Member
Oct 9, 1999
21,014
137
106
Even the "kids will take care of me" concept is less reliable. People divorcing, remarrying, maybe more than once. Kids often have a birth father and a step-father (or two) - more "parents" than a child can take care of.

Sadly, I think a lot of people who are old and infirm find ways to check out on their own. I know in my town there are cases of elderly people who lived alone found dead in their home, an empty pill bottle at their side, and the EMS wrote it up as natural causes. No harm, no foul, no causing a traumatic situation for friends and family.

For myself, I'm a saver, and plan to use a CCRC.
 

Exterous

Super Moderator
Jun 20, 2006
20,429
3,533
126
Long term care insurance?

Basically this. And finding a good retirement home that has one of those 'we'll never kick you out' kind of clauses. They tend to have all kinds of different care options from semi-assisted living to Alzheimer's floor.

Good care probably won't be cheap so we're taking that into account in regards to when we plan on retiring
 

Carson Dyle

Diamond Member
Jul 2, 2012
8,174
524
126
Serious question.

For those people who don't plan on ever having kids, what's your strategy for your close-to-end-of-life care? If you're going to say a bullet to the brain or other forms of suicide don't bother replying to this thread.

Why is that not a serious and valid answer?

I'm single, no kids, very little immediate family. I don't need an extra four months just to watch the grandkids graduate high school or college, or to see my daughter married. If I have a terminal illness, dying tomorrow is as just good as dying in December.

I'm 99% certain that I'm going out on my terms. When I can't walk, can't enjoy life, I'm taking the fast road out of town. I'm not going to die slowly in some fucking facility.
 

Charmonium

Diamond Member
May 15, 2015
9,571
2,939
136
If I can't take care of myself then I suppose I will die and rot in my own excrement. Not a great way to go but presumably at that point I won't really care.
 

glenn1

Lifer
Sep 6, 2000
25,383
1,013
126
So I go back to my original question, for those who don't plan on having kids, what is your strategy for your own care when you get old?

There's a lot of talk from people (especially younger people) asserting their "independence" and "freedom" by choosing not to have kids and family, but while that might be all well and good while they're *healthy* and can still enjoy life without external help, I feel that this line of thinking is short-sighted and will inevitably cause problems.

Because we *all* eventually become dependent on the support of others once we get old.

I have kids and don't know how much it will help honestly. If you ever wanted a description for the Dungeons and Dragon alignment "Chaotic Neutral" you could just show a photo of my 5 year old and 18 month old.

So sorry man, but I got nothing for you except for maybe try to find a like-minded person and promise to take on the job for the other, whoever gets there last "wins." Definitely interested in seeing the responses here.
 

Ns1

No Lifer
Jun 17, 2001
55,414
1,574
126
.45 to the face after a heavy H&B session. I ain't going out in a retirement home.
 

Stopsignhank

Platinum Member
Mar 1, 2014
2,337
1,530
136
We have 2 kids and my son is autistic. We do not plan for our strategy for end of life care, we plan for his strategy after our end of life.
 

zinfamous

No Lifer
Jul 12, 2006
110,806
29,558
146
.45 to the face after a heavy H&B session. I ain't going out in a retirement home.

I'm going to spend the entirety of my remaining savings (none of my heirs are getting that, assholes!) on a Bugatti or some shit and drive it straight into the oldest/tallest tree in the nation.
 

Midwayman

Diamond Member
Jan 28, 2000
5,723
325
126
Why is that not a serious and valid answer?

I'm single, no kids, very little immediate family. I don't need an extra four months just to watch the grandkids graduate high school or college, or to see my daughter married. If I have a terminal illness, dying tomorrow is as just good as dying in December.

I'm 99% certain that I'm going out on my terms. When I can't walk, can't enjoy life, I'm taking the fast road out of town. I'm not going to die slowly in some fucking facility.

No kidding. I don't want to live as some vegetable who isn't aware of my surroundings and have told my wife as much. If it gets to the end and I'm not lucid anymore, but everyone out of their misery and end it. Though if it was a terminal illness I'd probably finally see what cocaine or opium was like. Go out with a bang on a wave of pleasure.
 

KB

Diamond Member
Nov 8, 1999
5,401
386
126
I have many nieces and nephews. I plan to be rich enough that they will fight to take care of me and be in the will. If not, I may consider moving to a low cost country and hiring a bunch of maids/caretakers/cooks.

If I have to be in a nursing home, it shouldn't be too bad. By then, I bet we have VR pods we can all live in which will bath you, feed you, all while you travel the world in a yacht in VR.
 

John Connor

Lifer
Nov 30, 2012
22,840
617
121
Nursing home! They will take my social security, give me a shitty staple from that to spend and the rest is taken care of. I have always envisoed me in the home playing online games and driving the other asshole next to me nuts. LOL!

Some make it into a nursing home sooner rather than latter. You could have a simple stroke and there you be. Fucked for life in a wheel chair in a home.

My mom works at a nursing home and I visit sometimes. The simple fact that those old people used to be young like you and me is reenforced by just looking at their photos. Life is way too damn short and that thought crosses my mind quite often. So to say don't sweat the small stuff is indeed an understatement. This grand experiment is a learning experience. Some learn, some don't. Who knows, perhaps there's such a thing as reincarnation. I think Einstein believed in that. Not sure, It's what I heard.
 

Gardener

Senior member
Nov 22, 1999
760
540
136
We have 2 kids and my son is autistic. We do not plan for our strategy for end of life care, we plan for his strategy after our end of life.

Wow. That's quite a consideration, and puts the rest of this discussion into perspective.

Several of my business clients are older, and I've seen them receive far better treatment from friends and neighbors...and paid caregivers than from family, who frequently put protecting family assets over providing adequate end of life care.

For my wife and myself, I'd like to be there when she dies, and then take a bullet after the last dog dies. I wouldn't choose the long dying process of hospital and nursing home. However if I die first, my assets will cover her, and my nephew is a decent and honest person and can administer them.

Two years ago my wife was at her office in downtown Seattle and there was a loud noise, a 90 year old couple had driven their car into a telephone pole at a high rate of speed and were both instantly killed. It was either a gas/brake pedal mixup, or a planned exit.
 

PricklyPete

Lifer
Sep 17, 2002
14,714
164
106
I plan to save enough that we will be taken care of regardless. That being said, I hope my children have some part in taking care of us. Too early to know if that plan is viable since all three are 2 years old or younger.

I've already told my Dad that I will make sure Mom is taken care of after he goes. It is implied with my wife's family. Hope my children and their future partners feel the same way.
 

Sonikku

Lifer
Jun 23, 2005
15,752
4,562
136
The tentative plan currently is to become one with the force and fade away. Failing that, there is always the Highlander option.
 
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