“But I don’t see waiting as resulting in a more difficult move.” That may sound rational at first but seems to me a dangerous way of thinking about this. True, you can’t take a lot of stuff, there are outfits that will do estate sales, and a realtor can handle the sale of a house. But, even if one can near completely outsource those things (and having had parents do it three times I’ll say may not be as feasible as it sounds), one still has to handle the outsourcing. And even with great professionals (not a certainty) there’s still work and stress involved in that outsourcing (as Dr Lefty can attest). Add on top the unknown of what one’s physical, medical or cognitive condition may be after waiting a few years. Maybe the waiting itself doesn’t make it harder, but it sure increases the likelihood of it being harder.
I’m sorry to hear about your illness. I’m surprised a community is saying you’re too young for assisted living. Most CCRCs we’ve looked at say at least one person has to be 62 or older to come into the community (which granted is usually in independent first), but beyond that being in assisted living or skilled nursing is a function of the care needed, not of age.
I’ve used it too and found it very helpful. However I’ve also found it to be wrong sometimes, and the only way to know this was to already be pretty well informed myself. So I’m careful not to have undue confidence in its answers for something really important. I remember a financial advisor recently saying lots of clients were coming with what AI had told them which makes for a good conversation starter. (Might have been Adam Grossman on The Long View actually.) I’ve also found this to be true with other professionals as well.
Adam, another good one, thanks. At the end you seem to give TIPS a lukewarm “you could also add.” Do you not see TIPS as being that important as part of one’s in- retirement bond holdings?
The Netherlands for one taxes unrealized income. In addition to a progressive tax on actual income that goes almost to 50%, the Dutch system applies a presumed return to assets and taxes that as well.
Comments
Then the time horizon is even longer.
Post: Would You Be Miserable?
Link to comment from June 9, 2026
“But I don’t see waiting as resulting in a more difficult move.” That may sound rational at first but seems to me a dangerous way of thinking about this. True, you can’t take a lot of stuff, there are outfits that will do estate sales, and a realtor can handle the sale of a house. But, even if one can near completely outsource those things (and having had parents do it three times I’ll say may not be as feasible as it sounds), one still has to handle the outsourcing. And even with great professionals (not a certainty) there’s still work and stress involved in that outsourcing (as Dr Lefty can attest). Add on top the unknown of what one’s physical, medical or cognitive condition may be after waiting a few years. Maybe the waiting itself doesn’t make it harder, but it sure increases the likelihood of it being harder.
Post: Moving is Expensive!
Link to comment from June 7, 2026
I’m sorry to hear about your illness. I’m surprised a community is saying you’re too young for assisted living. Most CCRCs we’ve looked at say at least one person has to be 62 or older to come into the community (which granted is usually in independent first), but beyond that being in assisted living or skilled nursing is a function of the care needed, not of age.
Post: Moving is Expensive!
Link to comment from June 7, 2026
Have you considered that the longer you wait, and the more you get to where you “need” to move to assisted living, it’ll likely be even harder?
Post: Moving is Expensive!
Link to comment from June 6, 2026
I’ve used it too and found it very helpful. However I’ve also found it to be wrong sometimes, and the only way to know this was to already be pretty well informed myself. So I’m careful not to have undue confidence in its answers for something really important. I remember a financial advisor recently saying lots of clients were coming with what AI had told them which makes for a good conversation starter. (Might have been Adam Grossman on The Long View actually.) I’ve also found this to be true with other professionals as well.
Post: ChatGPT’s Portfolio Advice
Link to comment from June 6, 2026
Adam, another good one, thanks. At the end you seem to give TIPS a lukewarm “you could also add.” Do you not see TIPS as being that important as part of one’s in- retirement bond holdings?
Post: Bucket Strategy
Link to comment from June 6, 2026
Congratulations! It does sound like a tough move but soon it will just be a wine and cheese story.
Post: Moving is Expensive!
Link to comment from June 1, 2026
So annuities constitute your entire bond portfolio if I understand correctly. Are any of them COLA adjusted?
Post: Farrell Behavior
Link to comment from June 1, 2026
And in addition to innovation, my understanding is government services seem to run pretty well there too.
Post: Billionaires, taxes and you
Link to comment from May 30, 2026
The Netherlands for one taxes unrealized income. In addition to a progressive tax on actual income that goes almost to 50%, the Dutch system applies a presumed return to assets and taxes that as well.
Post: Billionaires, taxes and you
Link to comment from May 28, 2026