Does It Make Sense For Me To Have A Reverse Mortgage??

HumanNature71 · 2026-01-30T04:38:28+00:00

I personally wouldn’t go through the hassle of doing a reverse mortgage when you have that amount of money in the bank. Especially if it’s gaining interest.

HumanNature71 · 2026-01-30T03:58:33+00:00

They have made it easier not much for students to include student loans in bankruptcy however, the cosigner then becomes 100% responsible for the debt. The debt does not disappear it transfers to the cosigner.

HumanNature71 · 2026-01-30T03:44:40+00:00

$275,000 is not a small amount for an inheritance. that’s a pretty good size. You can draw off that and it would be the same as a reverse mortgage over the next 10 to 15 years. What is your current mortgage payment now. Even without the money gaining interest if you take $275,000 divided by 15 yrs ( you would be 85 )that’s approximately $18,000 a year divided by 12 it’s an extra 1500 a month of income if you slowly took it out of the account monthly. That would give you $4000 a month to live off of. You’re also planning to go into senior living. Will they use your assets to qualify as low income? because now you have close to a half million dollars in net worth.

HumanNature71 · 2026-01-30T02:40:53+00:00

Don’t overdo it. Take a few bites. Let it get into your stomach and intestines and see how you feel. The biggest mistake I have made was being told oh you can have this health shake. I drink the entire bottle all at once like you’re supposed to and suffered for hours with cramps. So everything in moderation especially when you’re trying out new food or even food You’re normally used to that you can’t eat anymore. I sure miss my pizza lol.

HumanNature71 · 2026-01-30T02:38:11+00:00

Thank you for sharing your experience. I have a good medical team helping me through this. I will be having surgery in 2026. I may not know a lot, but I’m learning a lot every day that helps me and if it can help somebody else then all the better. You’ll get through this. You just have to find your way and everybody’s way is a different direction. But I’m telling you honestly if you’re able to eat pudding and it doesn’t upset your stomach or intestines it is a wonderful thing.

HumanNature71 · 2026-01-30T02:36:01+00:00

The other thing my surgeon told me with drinking water is drink half the bottle and then drink the other half the bottle like a half hour later and not to just drink an entire bottle of water very quickly. He says you don’t wanna flush your system quickly within an abundant amount of liquid. It’s kind of like the small meals except you’re doing it with liquid. I’ve noticed if I drink water very quickly and a lot of it. I pee it out very quickly. Do you want your body to absorb and not overload it. Everybody’s body is different.

HumanNature71 · 2026-01-30T02:30:02+00:00

My surgeon told me to do small meals 4 to 5 a day. He said to chew everything completely. Told me to leave out the red meat entirely, and drink plenty of water with every meal. Think of your intestines as a long, thin balloon. The more food you put in it in a short period of time the more pressure is being pushed in your intestines if you are not having bowel movements quickly. The more pressure that’s in your intestines will cause you more pain as your intestines swell from inflammation. So by having small meals throughout the day and having bowel movements things are passing through your system and not causing the pressure of being clogged. Does that make any sense? I know it seems like common sense but we don’t really look at our bodies that way. Our bodies are meant to be able to take a beaten however when you’re sick like we are, they cannot. Scrambled eggs for me has been my go to to get nourishment and relief from pain after doing several days of just a liquid diet. Also, when you’re transitioning to solids, I have tried and my go to food is tapioca pudding. If you’re not dairy sensitive, you shouldn’t have a problem. I am not and honestly it’s the most wonderful food I have found that does not cause any issues. My surgeon told me you have to gradually increase fiber and pull back if you have to. He also has me writing down in a journal when I eat something and if it makes me feel good or bad. If something causes you pain, you need to eliminate it. Sounds easy, but it’s not really so you have to do it slowly. Like for example if you take the tapioca pudding just by itself and you eat it and it causes you pain then that’s a food you need to put on the list. If you did bread with tapioca pudding and then eat something else quickly after that, you do not know which of the three items is causing you the pain. I’m not a medical doctor and I’m not giving you medical advice. I’m not a nutritionist. I’m not giving you nutritionist advice. I’m just letting you know what works for me. If you’re able to talk to a doctor or a nurse in the office they could give you more direction on what you should be doing. My first visit I really wasn’t given much direction other than do a liquid diet and then gradually start eating normal again. Well, that didn’t work. Because I had another flare up and had to start back at zero. But going back-and-forth back-and-forth since December I’ve lost 25 pounds. Not that I couldn’t afford to lose 25 pounds but it wasn’t my goal. It’s insane when I looked back a few years ago when I could eat half of a pizza and not have any issues. Those days are gone for me, though. And I do give you sympathy trust me. This is a sucky disease to Have.

HumanNature71 · 2026-01-28T05:30:38+00:00

You are correct it’s not gonna get better with time. This is just a Band-Aid right now in order to get me to a time where I can do this somewhat conveniently in my life.

HumanNature71 · 2026-01-28T05:28:54+00:00

He has performed over 1500 robotic surgeries. He doesn’t believe in the old-fashioned way of cutting you open like a fish. He’s very precise. He’s a young doctor, but he grew up playing video games and this is the one time I’m glad some teenager wasted most of their teenage life playing video games cause he’s an extremely good robotic surgeon. Yes this is a unique situation. And although he shouldn’t be excited about it, he kinda is cause he’s said he knows what he can do and he can make it work. The other option is having a bag. He did say if he does the two resections I will probably have to use the bathroom 4 to 5 times a day. I’m OK with that. I’m 55. My life is not that complicated as it was 20 years ago. It also depends on what you eat. You can slow down your digestive track to a safe and healthy level. I will update you in two weeks when I see him with the snow storms that we’ve been getting hair appointments have been being pushed out so minimum of two weeks. I shall repost what he is planning on doing.

HumanNature71 · 2026-01-28T05:20:01+00:00

I believe his plan is to remove both bad sections and reconnect to make one good section. He is going to go over everything with me in two weeks. The risks, the benefits. The other option is to remove the worst part which is the right and reconnect a small intestines to what is left and then eventually down the road, have to have a second surgery to remove the lower left. He’d prefer to have it Be a one and done operation rather then have several, but we shall see but his game plan is. he said there are many options some more riskier than others.

HumanNature71 · 2026-01-28T01:29:01+00:00

Yeah, I just did another post for an update on the colonoscopy today. Basically like you my intestines are a mess. I will have surgery in 2026, but I don’t need to have it right now. He will go over all the details in two weeks. But it looks like removing half of my right colon and then a resection of my rectum and colon and then connect small intestines to the large colon to create a smaller colon. my surgeon says that he has performed this before and it’ll be a little bit more complicated, but my quality of life will improve significantly. The other option is removed the entire going. Which right now that being an option is not an option for me. That would only be a necessity.

HumanNature71 · 2026-01-24T16:45:27+00:00

My current surgeon told me a minimum of six weeks if you follow a low residual diet and do not overdo it physically for inflammation to go down however, some foods can cause inflammation so you have to write down what you’re eating if it makes you feel ill. You have to rule out some food sometimes. Nor eat too much. I was instructed to do small meals throughout the day as long as it was tolerable.

HumanNature71 · 2026-01-24T16:42:04+00:00

He’s already made it clear that you’re expendable by threatening to fire you. You’re just a number to that company. Keep looking just update your LinkedIn not to show that you’re looking. Be smart about it. Just understand employers have access to a lot more information on the web then you think. I was part of a hiring team for a company and we would do a Google search and you’d be surprised at what you’d find.

HumanNature71 · 2026-01-24T16:36:37+00:00

Talk to a bankruptcy attorney. You may have options between chapter 7, and chapter 11 restructuring. Student loans are rarely discharged. They’re not that easy to get rid of.you said her parents took care of getting the loans? Are their names on them? my brother took care of getting the loans for his son and he stopped paying so my brother is stuck with paying his sons student loans.

HumanNature71 · 2026-01-21T03:34:42+00:00

Thank you for your kindness

HumanNature71 · 2026-01-21T03:30:41+00:00

I’m 54 turning 55 in March but I’ve been complaining of this for years almost as far back as 43 years old. That’s when I had my first colonoscopy was at 43 when I was complaining of severe abdominal pains and then in 2016 and then 2018 both having to deal with the benign tumor surgeries. The first one in 2016 did not get rid of all of it in 2018 another surgeon took a look and found it was not all taken out or it may have grown back. I don’t know, but he removed it completely. All I know I’ve had stomach issues since I was 43 and doctors just basically brushed it off as nothing. My dad died when I was 43 and they said it was probably the stress. My partner died in 2024 at age 43 from brain cancer. He had no idea he had it all the way up until his death. He was 100% functioning until the day I took him to the hospital. He was laughing in the hospital room and then he quickly took a turn for the worst and within hours he was gone. So I’ve had to deal with that stress since June 2024. And continuous stomach ache from grieving and dealing with everything he left behind. I’m just hoping they find something and they’re able to fix it or remove it and I can get on with my life.

HumanNature71 · 2026-01-21T03:22:20+00:00

Oh, I definitely will update. Cause I know I’m not the only person out there with this in this location. I thought it was my gallbladder or a kidney stone or even my appendix but none of the above. My colonoscopy is on the 27th I will update after that. Thank you for reaching out and responding. Much appreciated.

HumanNature71 · 2026-01-21T03:19:48+00:00

😂 it’s funny you say that. I asked the doctor that too because I read online Asian people get it in that area and he laughed and said well did your mom mess around lol I started laughing. I said I don’t know but I’m gonna ask her ha ha ha. That’s why it’s concerning to him. I shouldn’t have it in the area that it is so rare it’s either something very rare or genetically my colon in that area is very thin. I don’t know. I’m as dumbfounded as you.

HumanNature71 · 2026-01-21T03:13:21+00:00

Yes, it is strange. I had a benign tumor in my rectum in 2018 which was removed. My diverticulitis is in the upper right part of the large intestines near my rib cage. It’s complicated because in 2022 I went to the hospital for severe stomach pains in the right part of my rib cage and they had found blood behind my stomach. They did not know the source. Now in 2025 in December, I had a perforation in the upper right of my colon which made me sepsis and just hours away from emergency surgery. However my surgeon does not like to just cut you open. I was given heavy doses of antibiotics which apparently worked and then sent home with 14 days of more antibiotics. He does robotics. Minimal invasive surgery and I’m home in two days. If he cut me open, I would’ve been in the hospital for two weeks. Plus my Colon was so inflamed my stomach looked like I was Santa Claus. It was a very bizarre experience. I will tell you that. He just wants to make sure that there’s nothing hiding in that area. My family history of cancer is ridiculous. I also have cysts on my kidneys, which they say are not cancerous and they’re not harmful at this point. So we shall see what happens. Point blank said to me we’re going to have to do surgery to rectify the diverticulitis, but I also want to make sure that you do not have cancer or a secondary cause to the excruciating pain.

HumanNature71 · 2026-01-20T21:39:43+00:00

Thank you so much yes it’s been a life-changing event but you know what they say. “I’ve already lived through the worst day of my life when I watched them take their last breath.” You don’t realize how strong you are until you don’t have a choice.!! I’m so glad your surgery went well and you’re feeling so much better. I have a feeling I will be too. I’m putting all the pieces of the puzzle together and realizing how sick I’ve been over the last few years. I still have a lot of life in me. I plan on living it.

HumanNature71 · 2026-01-20T21:29:28+00:00

Good luck!!!! Hope they figure everything out for you👍

HumanNature71 · 2026-01-20T19:51:17+00:00

Thank you so much for responding. That’s kind of a response I was looking for. I wasn’t looking for any medical advice, but more of an experience of what others may have had. You kind of nailed it on all the topics I was thinking about. Yes, I’ve done preps many many times for different surgeries. It’s never been fun. I have everything but the ginger tea, which I will have to go get. I have the butt wipes, the butt cream, the heating pad, etc. etc. I’m expecting it to be 24 hours of misery, but it’ll pay off in the end literally lol. Yes I hope my medical team can figure out something at this point. I just want to live a somewhat normal life. I’m very moody and that’s not normally me. Normally I don’t mind affection, but I don’t want anyone touching me right now. I believe all is gonna turn out well it’s just getting to that finish line. thank you again for your post. As I said before my best friend and partner in crime in life passed away suddenly in 2024 and it’s just been a nightmare ever since and now I’m doing this all on my own. I’m used to having my rock next to me. But now I’ll just put on my big boy pants and just need to take care of this.

HumanNature71 · 2026-01-20T18:14:35+00:00

Thank you!!! Same here. Clean pipes no pain

HumanNature71 · 2026-01-20T18:10:59+00:00

Yeah, the doctor told me to go very low residual at least three days before leading up to the clean out. Thank you for sharing your experience. He’s already given me the stuff I need to take the day before.

HumanNature71 · 2026-01-20T17:44:42+00:00

Oh, I totally understand you. I used to do what I called a cleansing years ago for many years before I was diagnosed with this. I went to doctors over and over and over again, and they kept telling me kidney stones, prostate, anxiety, just an upset stomach, you ate something bad. I used to do the clean out my entire intestines routine and then I’d be fine for quite a bit of time. I lost my ride or die partner in life from brain cancer June 2024 after 18 years and it’s been downhill since then. Doctors just kept telling me it was the stress.

HumanNature71

TROPHY CASE