We all want to wait as long as we can to buy LTC insurance. Too often, health concerns diminish or eliminate what can be offered. In this week's episode, Diane shares consequences that show up when our parent's health and care needs interfere with our ability to plan well. If we implement and start paying the premiums earlier, we can fully fund our policies before mom or dad needs our money and/or our time because they had failed to prepare for their own care needs. If we could completely fund our plan before mom or dad asks for $2000/$4000/$6000 every month for their care, then we know we'll be prepared for our tomorrow and won't need to do the same to our kids, or friends or relatives. When we wait, our parents' negligence or denial of their own needs can prevent us from being financially secure when our own long term care is needed. Learn what your state Medicaid dept let's you keep to qualify for Medicaid at https://gotltci.com/2026/01/what-your-state-lets-you-keep/ Schedule an introductory meeting to learn if some form of LTC insurance is an appropriate tool for your family at https://calendly.com/diane-p4t/15min Schedule a full no obligation consult at https://calendly.com/diane-p4t/60min