The Legistics

When this began for me, March 1st 2016, I had a few goals in mind.

  1.  Slow down the spending. Amazing amounts of money were going out and nothing coming in. This couldn’t last, no matter how much they saved.  I needed to figure out how much it really costs to live at home and find a way to keep them within some kind of budget.
  2. Keep them in their home. This was the request from both my parents before coming down here.  My sister and I had tried multiple times discussing the idea of “assisted living” to them and they would always say “No”.  I had no idea what would be involved with their health failing, but I needed to understand it, quickly.
  3. Find private care. Both my parents were happy with the daytime person, but they were not happy with the constant change of nighttime care.  Also, my daytime person’s health was failing quickly and I needed to address it.
  4. I needed to live somewhere else.  This was the agreement I made before doing this.  I couldn’t be “in” this 24/7.  I new enough from talking and witnessing other’s that my space would become vital in this journey.

So this is where it began.  I immersed myself in the bills, the groceries and all aspects of the finances.  First step, get the Power of Attorney to as many people as I could that would need it.  Banks, CPA’s, Credit Card companies, Mortgage company and Insurance companies.  This made it so I could speak to them about issues or questions without them having to ask to “speak to your mother”!  No matter how old you are, it’s not pleasant to here that! LOL

Now that I was in it, it was not as easy as just seeing how much was going out.  There were CONSTANT changes.  Bills I didn’t expect would show up ( things like HOA dues every 3 months), doctors would change medications that were not covered by insurance. Before I moved down, there were months that almost triple the cost of Assisted living was going out!  I had researched assisted living and new we were looking at close to 8k as a realistic number.  I had to get it down quick. Now I realize some people are going to be questioning me as to why I am sharing such personal information as these financial figures.  My feeling is, I wish someone would have shared it with me before I started!  Do we as Baby boomers really have any clue?!  We need to be open and help each other.

I saw groceries, medications and standards bills were not going to budge much.  I did however start removing credit cards, way to many for 2 people who didn’t leave the house.  Some of the cards had monthly charges on them.  So, I started calling and finding things like AOL charging $39 every month for 2 years for a service my Mother no longer had.  Car insurance charging on more cars then they owned.  I had not realized how much was getting pushed aside when their health started failing.  I feel we should have stepped in sooner, but I can’t dwell on that, no regrets is how i live.

So, this first step is tedious and frustrating.  You so badly want them to live the life they have been enjoying, however, they need to make some changes.  It is not easy trying to persuade your parents they need to make changes.  Now, of all times!  Dad had rages easily because of his dementia and Mom struggled so with her memory, she would swear she had done something, and it had been months ago.  For this I did my best sales techniques.  Listen, don’t over talk it.  I would explain what I needed to do and then ask them their opinion.  They often would agree, but sometimes it took more persuading. A few times I had to “stand up” to my Dad.  He wouldn’t understand and then ask me if I thought I was the boss of him.  I didn’t want him to feel that way, but I could see how it must feel.  When it came to safety things like making him use his walker, I sometimes would say “Yes Dad, in this particular situation I do have to be the boss.  I know if you saw me doing something dangerous you would step in and stop me. I am doing that for you. I hope you can understand.”  He would grumble and moan (or swear and cuss me out) and then 10 minutes later be fine, and using his walker!


So step one took months to get a handle on.  Once I got private care (I will go over that in detail later), took control of bills, found more efficient ways shop and became methodical turning in their long term health care receipts (i will go over this too), things started looking better. We were averaging the high end cost of Assisted Living with everything included.  I eventually got that down to around what would be considered a Median price.

Here is a chart of costs for Assisted Living.  Keep in mind, the “minimal” is something I have never seen.  The maximum is a place my parents might have been comfortable in.  A nice location, clean and very high rated.  My parents standards might have been high, but it is the life they worked for and had become accustomed to.

State Minimum Median Maximum

Alabama$930 $3,075 $6,524

Alaska$800 $5,703 $8,250

Arizona$1,400 $3,418 $7,072

Arkansas$1,100 $3,063 $5,900

California$698 $3,750 $10,650

Colorado$2,050 $3,750 $8,850

Connecticut$2,551 $5,575 $10,800

Delaware$5,061 $5,745 $8,175

District of Columbia$4,950 $7,838 $8,600

Florida$1,000 $3,150 $8,280

Georgia$619 $2,880 $6,840

Hawaii$1,384 $4,000 $8,892

Idaho$1,800 $3,240 $5,450

Illinois$1,278 $4,050 $9,840

Indiana$1,600 $3,693 $7,860


Kansas$2,300 $4,188 $7,500

Kentucky$1,181 $3,350 $10,125

Louisiana$600 $3010 $4,722

Maine$1,935 $4,800 $8,880

Maryland$1,750 $3,900 $8,950

Massachusetts$1,988 $5,300 $9,495

Michigan$800 $3,250 $8,465

Minnesota$876 $3,468 $10,500

Mississippi$1,525 $3,150 $6,600

Missouri$700 $2,525 $6,400

Montana$1,000 $3,560 $6,000

Nebraska$1,985 $3,628 $6,225

Nevada$1,500 $3,238 $5,889

New Hampshire$2,750 $5,103 $8,975

New Jersey$3,280 $5,725 $11,250

New Mexico$2,000 $3,500 $6,000

New York$1,100 $4,100 $11,100

North Carolina$1,000 $3,000 $7,143

North Dakota$959 $ 3,239 $ 5,250

Ohio$877 $3,890 $8,940

Oklahoma$950 $3,345 $6,340

Oregon$2,000 $3,880 $6,955

Pennsylvania$900 $3,555 $6,955

Rhode Island$3,370 $5,325 $8,500

South Carolina$1,341 $3,125 $5,700

South Dakota$1,900 $3,023 $5,250

Tennessee$600 $3,395 $7,128

Texas$900 $3,545 $9,000

Utah$2,000 $3,000 $6,750

Vermont$1,266 $4,020 $6,050

Virginia$1,200 $3,933 $10,350

Washington$1,845 $4,625 $9,750

West Virginia$1,600 $3,500 $8,452

Wisconsin$740 $3,980 $10,000

Wyoming$2,250 $3,900 $4,695

*This chart is from

The Journey Began…

One year ago I received the phone call.  “Laurie, your Dad and I can’t do this by ourselves, we’re getting scared”.  Up until now, I had been trying to handle some of their finances and caregivers while living in Denver, they were in South Florida.  It was becoming stressful and time consuming while trying to maintain a new business.  Now in fairness, my business was not successful.  It had potential, but I just didn’t have the strength to do this another year without getting a full time job on top of it.  That was doable, and I had the job lined up before the call.  I thought and prayed on it a lot before I made the offer.  Could I leave my kids, grand kids and family?  I had an offer to sell the business back in November (this was January).  I told my Mom I would think about moving down there, but we both needed to think and pray on it.  On that next Monday I called and said yes, she cried and said “Thank you”.

The first few months were a whirlwind.  Let me explain their condition when I got here.  Dad had dementia, prostate cancer (diagnosed just in last few years) and had a stroke that took most of his sight in one eye a year earlier.  Mom has terrible rheumatoid arthritis in her back and neck that leaves her in severe pain.  She also has congestive heart failure.  When I arrived Dad was using a cane, but very unsteady.  Mom in constant pain and struggling to move much at all.  We had hired a “day” person a year prior who worked weekdays preparing meals and cleaning the house.  This person’s job was getting more and more involved before I got here.  Doctors appointments were becoming once and twice a week.  Needs were increasing and she was running down.  I was using a nursing agency for a few nights a week for overnight and part of the weekends.

The first thing I felt I needed to do was get a hold of what was happening financially.  There was money, but not an endless supply!  We also had a long term health care plan that I just gotten my Mom using.  In this blog I am going to go over some of the things I did, things I discovered, and things I failed at.

I hope it can be helpful to the next person who finds themselves needing to “parent” their parent.