How Not To Pull Your Family Apart

Parenting & Relationships

synopsis

Synopsis

"Carroll weaves her vast experience in long term care insurance and personal insights into the MUST-READ book! It is jam-packed with helpful information families and professionals need to know in order to make informed decisions about aging planning." —Annalee Kruger, President of Care Right Inc., and author of The Invisible Patient: The Emotional, Financial, and Physical Toll on Family Caregivers

Who’s going to be the physical, emotional, and financial caregiver in your family (no matter how you define family)? Few of us understand or are prepared for the breadth of lifestyle implications that come with that role. On the flip side, what if it’s you that needs care?

Meet the Jones family, a multigenerational example of how it all works in the real world. Follow Jodi and her family as they suddenly must deal with her parent’s extended care needs. Tension, guilt, and a lack of information start to impact Jodi’s health, happiness, job and family, relationships. Follow along as this multigenerational family uses my three-step process to create a Care Guide, a Care Squad, and a Care Planning Team. Learn how to establish a framework to start and continue conversations, minimize tension, and gain an overview of several planning options to fit almost any budget so you’re ready for tomorrow.

bio

Author Biography

Carroll S. Golden, CLU, ChFC, FLMI, CASL, LACP, LTCP, CLTC, is an executive, author, and pubic speaker whose focus is working with agents/advisors and caregivers about opening family discussions and planning for extended care needs. Currently, she serves as the Executive Director of the National Association of Insurance and Financial Advisors (NAIFA) Specialty Centers. She is dedicated to helping professionals and families create and fund a plan for extended care by providing actionable information, guidance, effective strategies, expertise, and resources. Following Carroll’s text-book for professionals, “How Not To Tear Your Family Apart,” her second book, an Amazon #1 Best Seller story-book, “How Not To Pull Your Family Apart” encourages individuals and families to identify with the story’s characters, overcome the silence, and engage in these important discussions. Carroll can be reached at carroll@thecaringconversation.com

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Author Insight

Times They Are a Changin'

Retirement planning should not be a one-size-fits-all approach. With longer life expectancies, retirement will look different for everyone, and it's important to consider your own unique circumstances.Defining retirement age can be subjective. Some people may consider it to be the age at which they become eligible for government support, such as social security. Others may define it based on their desire to pursue new hobbies or interests.Once you start seriously thinking about retirement, it's crucial to formulate a plan. Consider whether you want to abruptly stop working on a specific day, gradually ease into retirement by working part-time, or transition into a different line of work that interests you. Think about how you envision your retirement and calculate the estimated cost of living that way. Take into account expenses like housing, food, taxes, travel, hobbies, and insurance.As you move into the second stage of retirement, where you are fully retired, your expenses may change. Some costs may increase while others may decrease. Think about what your retirement will look like during this stage and adjust your financial plan accordingly.Lastly, it's important to consider the third stage of retirement, where you may require additional support, whether it's physical, psychological, or financial. Planning for this extended care stage should be done early on, during stage one of retirement planning. By doing so, you can explore options to mitigate the financial risks associated with this stage and protect your retirement plans.

Book Excerpt

How Not To Pull Your Family Apart

As we move through life stages, family members (however you define family) take care of one another. It’s what family is all about. Over the years and through the decades we accept, prepare, and plan for the next life-stage.

Nowadays, retirement can refer to a period that may stretch out twenty or thirty years. We lack a phrase to describe the later phase when retirement years morph into interdependency and require increasing levels of assistance. Logically, retirement preparation should include preparing for long-term care needs. But few people prepare. Somehow this topic throws us for a loop.

We fail to plan for the inevitable: Mom and Dad will age, will probably live much longer than their parents did, and will probably require more specialized care over a longer period. More family caregivers are in the workforce—currently, some sixty percent work full- or part-time. This trend will continue, and those who have to pull back during their working years face substantial economic risk from loss of income, benefits, contributions to their own retirement savings, or reduced Social Security benefits

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Carroll S Golden

How Not To Pull Your Family Apart

Synopsis

Author Biography

Author Insight

Times They Are a Changin'

Book Excerpt

How Not To Pull Your Family Apart

Comment on this Bubble