We took care of them growing up, we gave them the advice and financial backing to help them get their lives off to a good start. It’s up to them to not mess that up.

I’ve told my parents the same thing - I am an only child. They should enjoy their lives to the fullest and not worry about me. We’ve had discussions that they brought up. They know I’m not keeping the house and I am going to sell it as quickly as possible if they pass and not worry about optimizing what I get out of it. I’ve done the real estate thing before. It’s a headache when you live close by, let alone when you are a hundreds of miles away. They know we aren’t keeping anything in the house besides the pictures.

They have long term care insurance, but if they didn’t and it meant selling the house to qualify for Medicaid - so be it. They said it is just “stuff”.

My parents are in their 70’s and they both retired in their mid 50s when they were both healthy enough to enjoy themselves. They are still relatively healthy today. They didn’t have millions in the bank. My dad was a factory worker and my mom was a school teacher.