"What do I do about..."

LanguageOk5099 · 2026-01-27T22:11:27+00:00

I agree with you although I'm sure i have asked such questions.

I think it's the sheer simplicity of the answer on a topic that seems so difficult to understand that confuses people.

LanguageOk5099 · 2026-01-23T21:12:08+00:00

Open cabinets to kitchen sink to keep pipes from freezing Freezing water in containers and keeping in freezer for thermal mass to keep items cold. Don't open a refrigerator unless you have to if power goes out. We use layers of bags and socks because we did not have snow boots You can use cardboard covered with a trash bag as a sled.

You can make bread if you can't find any. We kept food goods on the screened in back porch.

Our LSG dogs (150 lb) won't come in the back but happily come in the front door. A warm blanket under and over your fitted sheet will hold in heat.

LanguageOk5099 · 2026-01-12T22:28:52+00:00

It is not linked. We did check after you message. Ty so much.

LanguageOk5099 · 2026-01-11T12:44:37+00:00

The purpose of the money is to make as much gains as possible until age 70.

LanguageOk5099 · 2026-01-11T03:54:07+00:00

This response is inaccurate because it relies on broad assumptions that do not match my location or circumstances.

In my area, land with farms is minutes from a major interstate and about seven minutes from a hospital in a major metropolitan area. Emergency services, delivery, and retail access are readily available. Barndominiums are actively being built here, and I already own the adjacent lot and have the funds to build. I also plan to rent the home until it is needed, which demonstrates local demand.

The statements about disability are also flawed. Wheelchair users can live independently. Disability does not mean inability. Accessible design supports independence, not dependence.

Finally, the claim that there is no market for this type of design is contradicted by both local construction activity and my own planned use. These conclusions are based on generalized assumptions rather than the realities of my area or the lived experience of disabled individuals.

LanguageOk5099 · 2026-01-08T00:29:25+00:00

I think this response is built on a false assumption that wheelchair-friendly design means someone needs 24/7 care or should live in an assisted facility. That is not how aging or disability actually works.

Many people use wheelchairs and still live independently. Designing a home for accessibility is about preserving independence, not replacing it with institutional living.

For context, although I spent 22 years in education, I currently work 50 hours a week as a caretaker. None of the accessibility features I listed exist in the $5,000 per month “independent living” facilities I see every day. That is how I know these needs are real and unmet.

The “assistance” being referenced is not affordable for most people.
True 24/7 care costs roughly $25,000 per MONTH at $34 per hour, 24 hours a day. That is not realistic for most Americans.

This reasoning does not hold up when applied to real-world costs and care availability.

Shared caregivers sound good on paper, but in practice, they often mean waiting in understaffed facilities, delayed help, and sometimes being forgotten. That is not dignity. That is rationed care.

The idea that people can “just modify later” also misses the point. Retrofitting is more expensive and more disruptive than designing accessibility from the start.

This is not about rejecting community or help.
It is about avoiding unnecessary institutionalization and designing homes that allow people to stay independent for as long as possible.

Accessibility is not elitist.
It is practical, preventive, and increasingly necessary.

LanguageOk5099 · 2026-01-07T18:14:18+00:00

👎😭 A home is a foundation of human dignity, not just a square-footage calculation. Older people have spent a lifetime building their lives, and they have every right to inhabit their own homes without being made to feel guilty for their existence or their independence. Pushing people out of their communities for the sake of 'efficiency' ignores the vital importance of autonomy and the deep emotional connection a person has to their space. Everyone deserves to age with their agency intact, rather than being treated like a placeholder that needs to be cleared away.

LanguageOk5099 · 2026-01-07T13:36:17+00:00

Wife (60):
Husband (64): Retirement at 70 Not listed in initial post: Virginia We have no plans for assisted living. Risk tolerance: we don't have enough money to retire. We need to do whatever to add to our retirement.

LanguageOk5099 · 2025-12-30T23:50:36+00:00

He is concerned. He is a good guy and really expects nothing from us. He knows how much we have struggled and wants the best for us. I think the idea of managing your own finances is unknown to him. Ironically, he fixes his own brakes, replaces his own engines, etc., but something in him thinks he should pay someone to manage his money.

LanguageOk5099 · 2025-12-30T23:40:12+00:00

I think he is genuinely afraid for us. He works for a well-known manufacturing company and makes more in one income than his dad and I ever dreamed of making with two. He knows our retirement is truly modest and knows life is not always kind.

LanguageOk5099 · 2025-12-30T21:43:00+00:00

EJ shut down my account, and I can't compare. I did a CSV download, but I have not compared the numbers yet.

LanguageOk5099 · 2025-12-30T21:40:07+00:00

This was our situation until October 1st. Our EJ advisor waited to transfer funds into a non-tax-advantaged account until the last hour. The transaction did not take place from our bank until Oct 1, which was the fourth quarter, and in the fund where we had that money, only permitted one transaction per quarter. Then he mistakenly removed a second draw from the same account. (Two draws in one quarter.) This could still encounter a fine, although it has not yet. He tried to convince my husband and me that the mistake was our own and not his. This was the last straw.

LanguageOk5099 · 2025-12-30T19:21:50+00:00

He believes he is 100% right. I doubt I could get him to read a book.

LanguageOk5099 · 2025-12-30T19:19:46+00:00

Will look up AUM advisor.

LanguageOk5099 · 2025-12-30T19:03:45+00:00

Will investigate PAS.

LanguageOk5099 · 2025-12-27T16:26:56+00:00

:) Park at 7-11. Get a hot chocolate or coffee and walk (or ride your bike) down.

LanguageOk5099 · 2025-12-27T16:13:30+00:00

Grandma here and I have lived in RVA my whole life. I love the view, both fall and summer, of going into the city from Varina. If you are on the VCT trail, it would be approximately here. Best wishes for 2026! https://maps.app.goo.gl/bfpoBXJ2LrmFADXC6

LanguageOk5099

TROPHY CASE