When 89-year-old Phil and I, three years younger, first talked about moving in together, we asked friends and family for their opinions. Naysayers worried that we were “having a serious case of dementia.’’ One friend asked why I wanted to be a “nurse with a purse,’ a decades-old expression referring to caring for an old man who might also be financially needy. (I wondered what they would call a man who would care for his girlfriend if needed.)
A few, like my widowed friends Sheila and Arthur, both in their early 90s, offered more positive thoughts. Six years earlier, the widowed couple sold their homes and moved together into an independent senior living community. “It wasn’t easy at first,’’ said Sheila during our girls’ lunch together. “Arthur’s son feared that his dad was setting a bad example for his 20-year-old grandson.’’ But now, everyone is on board, she added, “That young man is living with his girlfriend!”
Moving in together is a big step at any age, but for Phil and me, two folks in the sunset of our lives with the clock ticking more quickly than we’d like to admit, decisions needed to be carefully evaluated. To that point, we made a list of pros and cons, including issues that could arise unexpectedly. If, for example, Phil got seriously ill, would I be able to step up to the plate and be his caretaker?
And what if I got ill; would he be able to care for me? Both of us, fortunately, have long-term health insurance policies, which would help defray the costs for an aide to help us if needed.
No one can predict the future, but here are some of the pros and pitfalls of our decision-making process that helped us decide. Friends wonder why we don’t worry about tomorrow. But our combined lifetime experiences have made us realize that the future is now.
First and foremost, it was crucial that our families supported our decision. My son-in-law, Marc, said that seeing the two of us holding hands and speaking kindly to each other made him ask why we hadn’t done so earlier.
One of Phil’s daughters agreed, but having gone through a divorce in her earlier life, she advised us to seek legal counsel regarding our finances. To that end, we have put everything in writing in our contract. We have also noted who pays for what and when.