@MarilynAE , I would actually value your opinion on something. And anyone else who thinks I sound either brilliant or crazy (I’m sick and in hospital so I cant tell.)
The government isn’t doing shite to help us all out of this, and maybe it’s not their job (that’s based on your own opinion, whatever it is), so we’ll have to help each other - what would you think about a program in which younger couples or a single person of the same gender as you, who want to get on the property ladder join households with (and share some caring responsibilities for) single OAPs who have no family? I don’t know the exact logistics, but the goal would be that you, as the OAP, would interview candidates, find ones you like, do full DBSs and such, and then you combine households - they will inherit “the house” that you all currently live in when you’re gone, but any additional monies would be used for your care. They would also be legally obliged to provide a certain level of care that would allow an OAP to perhaps stay in their own home longer than without help, and ideally until death.
We’re running into this problem more and more in the UK - young people who can’t get on the property ladder and older pensioners who have no family to help them now in the “need help but not a care home yet” phase, and who may face their “estate”, which is essentially everything they’ve worked for all their lives, being completely eaten by either care home fees for a care home that would be unnecessary with just a bit of help, or the state. Tons of houses are just standing empty when people need housing. We can’t force billionaires to give us any of their 24 houses BUT we can choose to share our own levels of wealth with each other, as opposed to lining the pockets of yet more billionaires.
I was raised by my grandparents. I’ve lost them both now but I miss that relationship so much. I know it can’t be forced, but even friendship would be more than a lot of people have in their lives.
Am I crazy? Naive? Any lawyers/estate planners, is what I’m talking about even possible?