- He cared for his father with dementia at home (built a first-floor accessible house) but wandering, safety and driving incidents forced the family to move him to relatives and then into memory care.
- Memory care costs rose steeply — he and his wife paid about $120,000 out of pocket as monthly fees climbed from roughly $4,200 to $6,600 — while sparse public transit and tricky Medicaid rules made options limited.
- Biggest takeaway: plan ahead — max out HSAs, get advanced directives and wills in place, and prepare financially to spare your kids the same scramble.
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