Aging? Sorry, I can’t afford to get old.

Just as my mother was settling in for a luxurious 4-week stay at Camp Senior (a lovely but expensive assisted living facility), we received a letter in the mail from Governor Rendell urging us to “Own Your Future” and plan for long-term living by ordering a handy packet of information or checking it out online.

I’m doing both, but stopped for a bit last night to browse the Web site. It’s the National Clearinghouse for Long-Term Care Information (http://www.longtermcare.gov/LTC/Main_Site/index.aspx) and is chock-full of tidbits that will make you wish Dr. Kevorkian was your uncle. Really, the basic message I got was that I and most everyone else can’t afford to get old.

Consider the handy calculator that lets you plan how much money you’ll need to pay for long-term care. You plug in the state you plan to retire in and the monthly amount you can afford to put away now for long-term care. It spits back the cost of long-term care in your desired state, how much your monthly savings will add up to, and (in my case) your laughable shortfall. Turns out Pennsylvania was the most expensive state I checked (as I obsessively started plugging in different states to find cheaper options). Deep South seems the way to go (Georgia, Alabama, Arkansas, Mississippi, Texas) with ”traditional” retirement states like Florida and Arizona more expensive. Forget about New England (which I guess PA falls into).

So, even if Mike and I put away $300 a month for the next 20 years for long-term care, we’ll only save up half of what we’ll need (roughly $350K instead of the $700K needed). (Oh, and I didn’t notice if that was per person or not!) The site also outlines other options like long-term care insurance (if you qualify) and such, including “Do you have friends or family who can help take care of you?” Hmmm, how ’bout it friends & family?

It was all quite overwhelming and extremely depressing. What a world we’ve created where we can keep people alive far longer than ever before but with no thought to how they’ll actually live.

Life would be infinitely happier if we could only be born
at the age of eighty and gradually approach eighteen. 
                                                         ~ Mark Twain
 

Lessons from the Third Floor

My mom is still recovering from her broken ankle in the rehab unit of a hospital. Tomorrow marks 5 weeks of her “confinement.” It’s the longest anyone in my family has ever spent in a “facility” (healthcare or otherwise), and my first experience with the day-to-day workings of such a place.

Aside from her stay confirming what I’ve always read and heard — that you have to be on top of every blessed detail of your loved one’s care, even though you are not a medical professional and he or she is in a (supposedly) skilled nursing unit — I am most struck by the other patients. Mum is one of the luckier ones. Sure, she has to use a wheelchair because she’s not strong enough to hop around with a walker (nor motivated to get strong enough through rehab, preferring to wait out her 14-week-non-weight-bearing sentence with some misguided idea that once those 14 weeks are up, she’ll be right back where she was before…living alone in her 3-story house, driving, playing cards twice a week with the girls, etc.). But she’s not ill as many of the others are. She doesn’t have a chronic disease, is still quite sharp for her 89 years, and has a large family to visit and watch out for her.

Many of the other patients aren’t so fortunate. Many are old and infirm. Some have been mentally or physically disabled (or both) since birth. Some have few or no visitors to break up the long days and nights. Many, many just want to be left alone, much to the chagrin of the “activities director” (à la Julie McCoy, your cruise director) who constantly cajoles, coaxes, physically moves, and otherwise “motivates” patients, trying to raise the slightest glimmer of interest in the games, puzzles, discussion groups, movie nights, and other activities he diligently plans “with no budget.” He’s a good guy fighting a losing battle, but he even gets on my nerves, and I’m only there a few hours a day at most.

Yesterday, I saw for the first time an old guy painting in the rec room where my mother and I go to play cards and Scrabble. The activities director had set him up there, with a few other patients around the table. He was hard of hearing and spoke loudly, so it wasn’t exactly like eaves-dropping. He talked about how he used to be an accomplished painter, had one oil painting that took him 4 months to complete exhibited in “the International”  (whatever that meant — I don’t think it was the Carnegie), and now all he could do was “slop around like this,” painting a dog house “a dog wouldn’t live in.” He was a hoot — about 96 he thought, though he couldn’t remember exactly. In his younger days he was an all-purpose contractor, doing painting, tiling, concrete, plastering — pretty much anything. Now he lived with his daughter (one of 2) and both were great to him, took him everywhere, etc. Of course, he added, “they know they get whatever’s left [when he's gone]” although “they got money” already.

I really wanted to abandon the Scrabble game and go talk to him some more. He had me laughing at his dry comments, and reminded me of my own Grandpap. He was very matter-of-fact about his present state, a little wistful but not morbid in saying “I used to be able to do everything, but now I can’t do anything” and “You never know what you’ll do next.”

As one who has thought a lot lately about what the future holds and where I’ll end up “someday,” with no kids to see me through my dotage and no million stashed away to pay for long-term care, I’m glad to have this chance to glimpse what my own fast-forward might be like — maybe ill and infirm, maybe cheerful and pragmatic, maybe with my faculties intact, but maybe not. It makes you think, not just “holy cow I better save more money” thinking, but also about how fleeting our time here is, how it pays to make the most of your life so you have great things to look back on, and how attitude is everything. I can’t say I’m looking forward to old age, but, as they say, when you consider the alternative…

Enjoy the little things, for one day you may look back
and realize they were the big things.
 
                                                                  ~ Robert Brault

“Following my bliss” or something like that

Nine years ago, on Friday, March 5, 1999, I walked out of my relatively secure corporate marketing job so that on Monday, March 8, I could walk into my living-room-turned-home-office as a self-employed writer. My Day-Timer shows that I actually logged 4 billable hours that first day; 27 that first week.

In those days, I used to track billable time religiously — a by-product of working for the most anal firm on the planet for four years. As if totalling and recording it every day and week would somehow make it increase. Today, I’m much more lax in my tallying — but I still have the same Day-Timer and still manage my time and my projects the same way I did on Day 1 (although my penmanship has deteriorated drastically).

I always tell people this is the longest I’ve worked anywhere. Four years was my “as long as I can stand it” threshold in four previous jobs (one lasted only 2 years, another 3). And while I would be making more money had I stayed in a “real job,” and I still miss the security of a steady paycheck, and the isolation can be hard to take (coworkers were always the best part of working anywhere), I wouldn’t have traded the past 9 years of freedom for anything.

There is so much more to life than money. Living at a more leisurely pace for one. My days no longer revolve around my job, the alarm clock, the commuting weather, what the heck I’m going to say in this year’s performance review, or how Joe So-and-So is going to re-write what I’ve spent hours writing. Sure, I’m still a slave to my clients (who sometimes rewrite what I do, but a lot less frequently than my bosses did), still have to do projects I don’t like, and still have to get out there and prove myself every day. I always fret about money and when the next check’s going to arrive.

But, just as Ginger could do everything Fred could do, backwards and in high heels, I can do everything an “on-the-job” writer does, in slippers and while also doing the laundry, paying bills, cleaning the house, cuddling the cat, and enjoying a midday walk on a sunny day. That makes up for a lot of financial insecurity.

Still, I worry about the future. Will clients accept a 60-year-old freelancer? A 70-year-old? Is there a “Welcome to Wal-Mart” or “Would you like to Biggee Size that?” in my elderly future? More and more, it seems that way, and the prospects are frightening. (After all, I’ve never worked retail or food service. Talk about old dog, new tricks.) Maybe I should start now — take a part-time job just so I can learn the ropes?

Such are the uncertainties a middle-age free agent contemplates. Maybe not so different from what a middle-age corporate slave contemplates — but with a little less money in the bank, a little more job (and self) satisfaction, and a lot more likelihood I can look back and say it was all worth it.

How we spend our days is, of course, how we spend our lives.
                                          ~ Annie Dillard,
The Writing Life

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