Spent some time yesterday with a friend who is currently taking care of his dying mother-in-law. She left her assets unprotected and is about to loose quite a chunk, if not all of them, to LTC. I have a similar situation with my mom. She is still very healthy but basically refuses to make any moves to protect her assets. This, of course, got me to thinking about our situation and what we would do. I don't need my mother's assets and they play no part in our future plans. If they do come to me it will be an added plus. But what if I or Jan needed LTC NOW? How can one save for that without noticeably impacting finances and plans? I get the WSJ and have read tons on this subject and see few alternatives to this problem at this time. It makes you wonder about the quality of life in our country and how close most of us are to the line of financial ruin. I think we've done all kinds of "right" things in preparing for our retirement but can see where even those won't be enough. Well hopefully the new crop of presidental contenders will help with this looming problem. Meanwhile I'm going to look into creating a trust of some sort. Big storm headed this way, so they say. Will not have to rise early tomorrow to see if there is going to be a snow day, yay!