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Millennials can't either but at least our parents are dying!
My sister and I joke that we're hermit crabs moving into each other's shells
My grandmother died, my sister moved into her house
My mother in law moved in with her elderly mother (my wife's mom and grandmom) to take care of her so my wife and I got her house
And for our next shells, my sister is eyeing my uncle's house (he has no kids of his own, so it's split between her my cousin, and myself in his will)
And I'm eyeing my parents house.
My sister and I have an agreement that we won't make any move to try to claim the house the other wants.
And as for my cousin's share of my uncle's house, he can either have my sister's current house (which we think would be ideal, it would get all 3 of us into the same town and he has some special needs so it would be nice for us to be close by if he needs anything) or she'll buy him out of it with the money from selling her current house.
This of course hinges on my parents and uncle staying reasonably healthy and financially secure, if they end up as vegetables with a nursing home draining all of their assets or decide to blow all of their wealth in Vegas or something the whole plan could kind of fall apart. Looking at family history and their current health, age etc. though we think things are pretty much on-track.
I'm a Gen X with Gen Z kids and this is literally the kind of thing that keeps me up at night. I don't want to go through a long and costly retirement. My mom got dementia. My dad lived to be a hundred. Either of those outcomes fills me with dread that there is no way I have saved anywhere near enough to make that work. At least I don't see myself doing the Vegas thing, unless it's a side-effect of the dementia?
Before or after healthcare costs suck away all their assets?
Ha my parents had no assets.
So glad I’m not the only one who was happy about that.