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One thing you can do to perhaps help is to look at your housing arrangements now, to see if you could manage there if one or both of you became physically challenged.

When we bought, and then added onto, this ranch retirement home, we bought one that is basically all on one main floor -- including the washer and dryer, enclosed in a nice neat "closet" in the main bathroom. This main floor is also only a step or two above ground level, so a ramp COULD be added fairly easily, if needed.

Because the house is set into a ridge, there is also a lower level, with a walkout. There are stairs leading down to that level, which has another bathroom, 2 bedrooms, my current "office" area, furnace room, etc.

As we look downstream, we can see the time when those stairs COULD become a problem, so my office area could move to a niche near in the family room on the main level. (There are separate living and dining rooms at the other end of the house, beyond the kitchen.)

Our former home, a raised ranch, could have been a nightmare if we became physically challenged! Same might be true of a colonial, really. There were several steps up to the main entrance, everyone was required so use some stairs up OR down to living areas, washer and dryer were in the lower level, bedrooms and living areas were up on the upper level, etc.

Just a thought.

Granted, if some terrible illness hit either of us, beyond mere physical issues, all bets would be off.

Good luck!

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