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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

When you get very very old...

219 replies

Redandgreenribbons · 27/11/2022 21:33

...What is your plan?

I mean when you are in your late years like in your late 80s or 90s(if you lucky enough to reach this age).

I am wondering when and if you have about your days that you may be unable to cook, to shop, to bath.

And to make it harder, let's assume that you don't have anymore your other half to support you.

Even if you own a house and you get a pension, will it be enough? Will you be financially sustainable to live a decent life before your end if you are unable to look after yourself?

What is your plan? This thought really worries me although I am still very young...

OP posts:
tunthebloodyalarmoff · 28/11/2022 19:49

I will own my own home which I can sell and move to a much smaller place. Hopefully my children and grandchildren willl visit me and spend some time with me. I do think if I hadn't had children I would be very lonely in old age but pray that won't happen as I have 3

Ted27 · 28/11/2022 19:56

I will have an ok pension, not luxury cruise round the world levels, but enough not to worry about bills.
I will make adjustments on the way - I can't downsize but hope to stay in my own home as long as possible. It would be nice to think I could leave the house to my son, but if it has to used to pay for my care then so be it.
I have an allotment so intend to keep pootling round there as long as possible. There are a couple of very old gentlemen in their late 80s still shuffling round the site now.

MissMarpleRocks · 28/11/2022 20:48

ranyBoskie · 28/11/2022 19:14

Sincerely hope u are right

Same. I don want to be a burden or in pain. I definitely don’t want to be resuscitated. Almost 58, immunosuppressed, RA. If I live another 10/15 years I’m happy. After that I’m happy to pull the plug. As long as it won’t affect any life insurance for dcs.

DaisyChristina · 28/11/2022 23:46

I live with my DP in his home but kept on my own home which is a two bedroom semi-detached bungalow in a cul de sac. It's rented out.

In the unlikely event of me outliving him (due to a history of cancer) I would move there.

Abcdefgh1234 · 29/11/2022 00:02

Me and my husband are fortunate enough. We have 3 houses in london and we have 4 flats in spain.

our plan are we were retired we gonna move to spain and rent all the properties we got. I’ll have a living helper to help me and my husband around the house.

We are still very young. I’m 33 and DH 44. So its still awhile.

changeme4this · 29/11/2022 04:32

Abcdefgh1234 · 29/11/2022 00:02

Me and my husband are fortunate enough. We have 3 houses in london and we have 4 flats in spain.

our plan are we were retired we gonna move to spain and rent all the properties we got. I’ll have a living helper to help me and my husband around the house.

We are still very young. I’m 33 and DH 44. So its still awhile.

Sadly I’m pointing this out, but you are assuming, and I hope you are right, that your relationship will stand the test of time. Our lovely tenant’s didn’t… and she deserved so much more than resort to living in our rental…

Ragwort · 29/11/2022 05:23

My DM is 90 and still lives independently and very comfortably.... she and my DF (who died at 90) planned their retirement carefully, made very sensible financial provision and downsized at 80 Grin. The only concession she has made to her 'age' is to give up driving. Both my DPs were fortunate to enjoy good health which of course cannot be guaranteed. If she needs to move to sheltered housing or a care home she has the funds to do so.
I expect my future will be very similar, DH has recently retired, we have saved & invested throughout our lives for our pension ... and started a pension plan for our DS as soon as he was born!

It is sensible to think carefully about the future ... it is very easy to say 'I'm off to Switzerland' or 'I'll drink myself to death' but the older you get those sorts of ideas don't seem so realistic. I distinctly remember my own DGM saying 'just smother me when the times comes' and she had a Living Will - which apart from DNR doesn't actually mean anything. And be careful about giving away all your savings to your DC that is known as deprivation of assets.

whiteroseredrose · 29/11/2022 06:29

The OP said when 'very very old' which is about more than having funds.

I made the comment about Dignitas because we have MIL (88) living with us at the moment. She can barely walk, falls over regularly, has wet and soiled and is throughly miserable. She can't really move her hands and her body aches.

FIL is younger and a bit more physically fit but broke his hip and realistically he will struggle to care for MIL going forward, but she will expect him to.

They have plenty of money to spend on sheltered accommodation or care homes but for MIL it is sitting and waiting to die. Just awful.

MarieTharp · 29/11/2022 07:44

It is sensible to think carefully about the future ... it is very easy to say 'I'm off to Switzerland' or 'I'll drink myself to death' but the older you get those sorts of ideas don't seem so realistic

This is a good point. Why do so few old and infirm people top themselves?

SkylightSkylight · 29/11/2022 08:39

vera99 · 28/11/2022 15:05

Take up an opium habit and act generally disgracefully. Laugh when I fart....

And fart when you laugh!!

Blossomtoes · 29/11/2022 08:40

The Dignitas route is only a possibility if you have a terminal illness with six months or less to live and are compos mentis. Dignitas demands documentary evidence. So it’s not as easy as trotting off there because you’re tired of life.

JogOnNed · 29/11/2022 08:56

Check into a care home. I will definitely not be living by myself which results in me constantly falling over and being a burden on family and the NHS!

gamerchick · 29/11/2022 08:57

Blossomtoes · 29/11/2022 08:40

The Dignitas route is only a possibility if you have a terminal illness with six months or less to live and are compos mentis. Dignitas demands documentary evidence. So it’s not as easy as trotting off there because you’re tired of life.

Give it time.

Blossomtoes · 29/11/2022 09:34

Give what time? I can never imagine a society where assisted dying is available on demand. If it ever became legal here - and politicians seem to be very squeamish about it - it’s likely to be laden with caveats and hoops to jump through. If you want to kill yourself just because you’re old you’ll have to find a way that doesn’t involve doctors.

gamerchick · 29/11/2022 09:37

There are 8 billion people on this planet that's being stripped of it's resources. There are strange times ahead imo. You don't have to picture it if you don't want to.

AuntieMarys · 29/11/2022 09:39

DelphiniumBlue · 28/11/2022 19:17

I am not intending to hang around once I cease to be independent. I have no wish to be a burden on my children or on society generally. I can't see the point in living on in pain and can't bear the thought of the lack of dignity.

Exactly. I don't want to be immobile, incontinent and a burden. God forbid, a care home.

Ragwort · 29/11/2022 09:44

Auntie of course not, but all the people currently in care homes probably felt the same when they were younger; I visited a Care Home last week and it was thoroughly depressing but talking to the residents it was clear that they had all led interesting, active lives. They must hate being stuck in a Care Home with fairly trite 'activities' planned to pass the time .... but very few people get to their late 70s or whatever and say to themselves 'better end my life now' ... I don't know what the answer is but it's very glib to assume you won't end up needing some sort of care when you get older.

TinkyWinkyRainbowHead · 29/11/2022 10:09

We’ve got a large home now (which we need) The plan is to downsize to a small two bed, maybe on the same estate we’re in now. It would almost certainly allow us to buy mortgage free as our house is the biggest on the estate and hopefully we’ll have some money leftover.

AuntieMarys · 29/11/2022 11:30

Ragwort · 29/11/2022 09:44

Auntie of course not, but all the people currently in care homes probably felt the same when they were younger; I visited a Care Home last week and it was thoroughly depressing but talking to the residents it was clear that they had all led interesting, active lives. They must hate being stuck in a Care Home with fairly trite 'activities' planned to pass the time .... but very few people get to their late 70s or whatever and say to themselves 'better end my life now' ... I don't know what the answer is but it's very glib to assume you won't end up needing some sort of care when you get older.

The answer for me would be give people the choice of a peaceful death or a miserable existence in a care home.

PickyEaters · 29/11/2022 13:41

MarieTharp · 29/11/2022 07:44

It is sensible to think carefully about the future ... it is very easy to say 'I'm off to Switzerland' or 'I'll drink myself to death' but the older you get those sorts of ideas don't seem so realistic

This is a good point. Why do so few old and infirm people top themselves?

We need medically assisted dying to be legalized in the UK. Parliament is only just beginning to discuss it. We are way behind other civilised countries on this issue (Austria, Belgium, Canada, Germany, Luxembourg, the Netherlands, New Zealand, Spain, Switzerland, United States, Australia)..

SleeplessInEngland · 29/11/2022 13:42

Fairislefandango · 27/11/2022 21:46

I have no plan
No point in wasting your good years worrying about things you can't do anything about!

Why are so many people on here saying something like this? You obviously can plan ahead for old age, within reason.

venusandmars · 29/11/2022 17:36

it is very easy to say 'I'm off to Switzerland' or 'I'll drink myself to death' but the older you get those sorts of ideas don't seem so realistic or indeed possible.

PILs are very elderly, in their 90's. They still live independently (with support from carers and from all family). One has dementia and wouldn't now be able to make the decision to end their life - even though that's what they would have wanted to plan for in this scenario, they are no longer competent to initiate such an action, or to remember what they were doing part way through. It would require someone sitting next to them feeding them pills and glasses of whisky. That's not going to happen!

Other one has crippling arthritis and couldn't open the bottles / packets of pills, it would require sustained deceipt over a long period hiding pain meds from carers to build up sufficient stock, and would also need someone to top up the whisky glass to avoid most of it being poured on the table.

They had had made all the best decisions they could, moderate pensions, downsized to an accessible bungalow with a small garden at 80. But now nearly all their friends have died, they are increasingly having to accept care that feels intrusive. Add in loss of sight and hearing and they are miserable and lonely. A move to any other accommodation would completely disorientate the one with dementia, plus it would be almost impossible for them to find the required care in the same nursing / care home, so they would most likely be seperated.

They have some money and a house but not enough to pay the £150,000 per annum that it might cost for both of them to be in residential care.

It really is a horrible dilemma.

Their experience and that of my own parents' (who both required wheelchairs in later years) has made us consider our own future. We will downsize - probably in our 70's not 80's. Somewhere flat and accessible (away from our hillside house with a sea view) so we can walk to the shops, or someone can easily take us out in a wheelchair. Somewhere with a community where we won't be isolated, maybe near a school or next to a community centre / library / public space so we can sit out on a bench on a sunny day and say 'hello' to people walking past, or at least sit inside and observe life going on around us. Maybe some kind of retirement community where there are activities... Somewhere big enough to accommodate a live-in carer (or a place with access to increasing levels of support).

PILs live in a house with lovely countryside views but it only adds to their current isolation and lack of interaction, even being able to wave at a neighbour driving past would have been an improvement.

venusandmars · 29/11/2022 17:40

Oh and I'll try to cultivate a positive attitude (I'm fortunate in being an optimist to start with). My PILS are despondent but I'm facebook friends with a former colleague of the same age as them. She is similarly frail, lives alone and can't walk further than the end of her path. But every day she posts something on face book which is uplifting and cheerful - seeing a robin in her garden, getting a cheery wave from her binmen when they return her dustbin, a friend who brings some home-made soup, a day when it is possible to dry the washing outside... She's my role model for that time of life (if it comes to me)>

Baguette2021 · 29/11/2022 17:41

Euthanasia at a time of my choosing.

user1471538283 · 29/11/2022 17:42

I'm moving into one floor living with a small garden as soon as possible even though I'm not old. My DGM rattled around an enormous house for years.

My final move will be into a retirement complex or similar. I absolutely do not want to have to struggle with any upkeep.