We face natural consequences throughout our entire lives.  From not getting up on time to go to school, all the way to not preparing for our last chapter of living here on earth, the consequences of poor decisions are always there.   As adult children of parents who failed to plan, we need to decide if we're going to sacrifice our futures to pay for or provide care for our parents.  When we are forced, we will sacrifice for them because that's what they did for us as we were growing up.   Our parents don't want us to bankrupt ourselves and place our children in a position of sacrifice.  All our lives, they've wanted us to be ok. One of the hardest decisions to make is whether to allow Medicaid to take over our parents' care needs or provide/pay for care ourselves.   We need to stop the cycle of impoverishment that looms when we have not planned for LTC needs.  We need to prepare today so we can be secure tomorrow, when life shows up and changes the rules suddenly. I can help you make your retirement years more predictable by designing a plan to cover the unplanned.