One thing that people often don't want to think ab

One thing that people often don't want to think about or deal with until it is too late is their (and/or a spouse's) long term care (in-home care, assisted living, and nursing home expenses). I have seen MANY people burn through over a million dollars on these expenses, and they ALL wished they would have had long term care insurance. It is better to spend a little on premiums to get a huge payout in the event you need care. The insurance is cheaper when you are at your youngest and healthiest. I'm a realist...I am sure my spouse or myself will need care sometime...I rather put more burden on an insurance carrier than my wallet (even when the wallet gets fatter)!!!