EW and orchid, all good points, and ones I've been thinking about lately due to FIL and own dad.

Dad and I were talking about a distant relative moving into a retirement home. They need close to 200,000. to move in, then there's a month fee. The fees are about 2 grand a month. Now this is a generation whose home mortgages were probably less than a thousand dollars. Don't you think they must all be shaking in their shoes? It's too expensive to grow old, at least in the states.
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