Now or Never: Long-Term Care Strategy with Kosta Yepifantsev

Join Kosta and his guest: Star Bradbury, Aging Life Care Specialist, Founder of Senior Living Strategies, and Author of Successfully Navigating Your Parents' Senior Years.

In this episode: What’s normally the most overlooked or misunderstood aspect of aging for your clients? What does aging successfully really look like? How can we measure if we're reaching the goals and checkpoints of a successful aging plan? Is there a difference between what we think we want and what we actually want as we get older? What does that differentiation usually look like?

Find out more about Star Bradbury:
https://starbradbury.com/

Purchase Star's book Successfully Navigating Your Parents’ Senior Years:
https://a.co/d/h6QirfV

Find out more about Kosta:
https://kostayepifantsev.com/

What is Now or Never: Long-Term Care Strategy with Kosta Yepifantsev?

Now or Never: Long-Term Care Strategy is a podcast for all those seeking answers and solutions in the long-term care space. Too often we don’t fully understand the necessity of care until it’s too late. This podcast is designed to create solutions, start conversations and bring awareness to the industry that will inevitably impact all Americans.

Star Bradbury: For a lot of
people, they get to a point in

their life at some time where
they say, this just isn't enough

anymore. What I thought I wanted
to do in my retirement, and they

have to reinvent themselves. The
people that age successfully

Kosta are willing to be honest
with themselves and reinvent

themselves and find something
new to bring themselves joy. And

for a lot of people, it's paying
it forward. It's finding some

way to give back.

Caroline Moore: Welcome to Now
or Never Long-Term Care Strategy

making. themselves. with Kosta
Yepifantsev a podcast for all

those seeking answers and
solutions in the long term care

space. This podcast is designed
to create resources, start

conversations and bring
awareness to the industry that

will inevitably impact all
Americans. Here's your host

Kosta Yepifantsev.

Kosta Yepifantsev: Hey, y'all,
it's Kosta. Today, I'm here with

my guest, Star Bradbury, aging
Life Care Specialist, founder of

senior living strategies, and
author of successfully

navigating your parents senior
years star over the past 25

years, you've helped 1000s of
families navigate Senior Living

and care. I want to start this
episode with a personal question

for you and the title of our
episode. What does aging

successfully mean to you?

Star Bradbury: Well, first of
all, thank you for having me on

your podcast. It's obviously a
topic I am passionate about, and

wrote an entire book about. So
it was a little confronting when

I had to sort of stop and say,
Well, what does it mean to me,

personally, but I don't I'm no
different than anybody else. I

mean, I want to reassure your
your viewers that I follow my

own advice. And I think that's
important. So what do I think it

means to age successfully, I
would have to sum it up by

saying, developing a plan, a
solid plan, but a plan that's

well thought out, that addresses
the challenges that you will

inevitably inevitably face as
you get older. But it has to be

flexible, and resilient. And as
simple as that sounds based on

my 24 years in senior living, it
is not as simple as it sounds,

and a lot of people fail to
really make a very strong plan

and look at what let's call it
the buckets are the pillars. I

have five pillars, we'll get to
that, that you can look at when

you're trying to assess whether
you have a good plan and if it's

flexible enough,

Kosta Yepifantsev: did you
decide to write this book from

personal experience? Was it a
was it just because you worked

in the industry for so long that
you saw

Star Bradbury: no, no, no, I
have so much personal experience

and and I sadly, although I you
can tell that I have a bit of a

sense of humor here. Of course,
sadly, I will say I learned just

as much about what not to do,
and what doesn't work from my

personal experience, in some
ways, even more than my

professional experience Kosta?

My parents divorced when I was
fairly young in my teens and

remarried. So I had a stepmom
and a stepdad, my father and

stepmom lived in New York City,
not exactly a friendly place to

age in, by the way. And my other
set of parents my mom and

stepdad lived in Fort Lauderdale
six, seven hours away from me.

And I watched them make
decisions and let's throw in my,

my husband's parents too. And I
was so I watched family members

and loved ones make decisions
that in some cases were

disastrous, really, truly sad
and did not have the outcome and

preventable and also some
mistakes I personally made.

Let's not leave me out of it.

Okay, you know, looking, looking
back, I look at some of the

things that I really could have
done, that would have made a

difference. For example, let me
just, you know, throw myself

out. Sure. I, in my in my
chapter on long distance

caregiving. I have a long list
of things that I wish I'd known

could have done myself since I
was so far away from my father.

And one of those would be get to
know the neighbors, get their

information, get their phone
numbers, have a list of the

support team that exists or
doesn't. Okay, for your loved

ones, your parents that might be
in another state. So I had a lot

of personal experience. I mean I
include a lot of those stories

in the book. And I'm sure people
go really could all of these

things happen to this author?

Oh, yes. And I could have
written a lot more I mean,

stepfather Baker Acted and the
Unite

Kosta Yepifantsev: I am I am
sure that people who are either

thinking very hard about this
topic or are in this topic,

which I know, reading your book,
once you're in crisis is kind of

too late. But I'm sure that
there's a lot of people that

read it and resonate with the
detailed approach that you take.

And we talk a little bit about,
obviously, the length of your

book, and how comprehensive it
is, you know, and I think that's

important. It matters.

Star Bradbury: So start, because
it's a long arc.

Kosta Yepifantsev: Yeah, right.

So start, one of my favorite
sayings in business and life is

if you can't measure it, you
can't manage it. What are a few

measurable ways we can gauge how
well we're planning for our life

after 65? and evaluate if we're
on the right track?

Star Bradbury: Also a great
question. And I think it really

helps to have something to
measure against. And I talk

about something that I refer to
when I sit down with families,

and my niche is helping people
to plan to age successfully. I

say, let's look at what I call
the five pillars of aging

successfully. And the first
question, the first pillar, the

first question is, where do you
want where literally, where do

you want to age for example, 90%
of people 65. And over, it's

probably even higher, say, Well,
I want to age in place. And what

I always say, making a statement
cluster, like I'm going to just

age in place, which means
staying in your home, that means

I'm going to just stay in my I
tell people, that is a

statement. That is not a plan.

There's a lot of planning that
needs to go into aging well and

successfully in your home. So
that's pillar number one. And

under that is sort of location,
location, location, the second

part of my book, are you going
to age in place? Are you

thinking about moving? And if
you are going to move? What

would what would a solid
criteria be that you've

checklists that would help you
evaluate whether the decision to

move was a met all that met all
the pluses for a Livable City

for seniors are closer to good
health care? Or closer to an

adult child? Whose is I'd like
to say willing, able and capable

of being on your support team?

Yes. Okay. Maybe they are? Maybe
they're not. So that's, that's a

big pillar. Where am I going to
age? And the criteria for that

has to be what's going to allow
me to have that support team I

need and to be as independent
for the longest possible time.

pillar number two is a little
quicker to explain. It's do I

have all the critical medical
documents in place that I need?

Now most people think, Oh, you
mean, like a living will? And

health care surrogate? Yes,
absolutely. And I don't think

you'll be surprised to know how
many people have not completed

advanced directives. But there's
a host of other documents and

things to think about under that
heading that pillar of medical.

The third pillar, Costa is
legal. No surprise there. Have

you done a will? Have you done a
trust? Have you appointed your

power of attorney? Are all of
your legal documents, and under

legal documents and legal
affairs? There's a long list of

things too, that you should look
at like insurance policies, or

long term care insurance
policies, or survivor benefits,

or a did your parents do any?

Were they veterans? Are there
benefits that you would know

nothing about? You should inform
yourself about all of those

kinds of information before a
crisis. The fourth one is really

important. And I know you've
done shows on this, how am I

going to pay for long term care?

Oh, yeah, how am I going to pay
for long term care if I need it,

whether it's home care, you are
in the business, you know, this

assisted living, skilled
nursing. And the fifth pillar is

and I think this is so critical.

How am I going to stay engaged
in life connected to my

community connected to my
family, so I not isolated and

lonely? What is my what I say is
what is your purpose and passion

that's going to keep you getting
up every day and engaged in

life? So those are my five
pillars and I could go on but I

thought if I better start, six
might be Too many,

Kosta Yepifantsev: well, you
know, star, we're going to talk

about your book successfully
navigating your parents senior

years quite a bit in this
episode. So please, it's totally

okay to spend as much time as we
need to. For anyone that hasn't

read it, it's broken into four
parts, develop a plan, location,

where when your parents need
more help, and a prepared exit

plan. Let's talk about that last
part, because I think so many

people are scared to address it.

What is a good exit plan?

Star Bradbury: Well, this is
always a hard topic to bring up.

Because as as you know, people
are afraid to talk about this on

every level, everything from I
don't know if I can talk to my

parents about if they've done a
living will. This is even

harder. Because now you're
talking about an exit plan.

You're facing death, you're
facing your own mortality,

you're facing the dying process.

And if we could check, as I like
to say, go check the box cost of

that said, I want to live to 98.

I want to be 100%. Strong
mentally and physically. And

then I'm going to check the box
that says I get to die in my

sleep peacefully, never wake up,
right? No problems, no issues,

no medical can tweet all check
that box. But that is not the

statistics. And for the number
of people, Costa who say, Well,

of course I want to die at home,
I want to be surrounded by my

family, I want this peaceful
space. I want to have the music

playing that I want. Or
somebody's singing or reading my

spiritual readings. But that is
not what happens. You know that

anyone in healthcare knows
there's a huge percent of people

that die in the hospital. So I
think one of the things to

really ask yourself, or ask your
loved ones is, what is a good

death? How would you plan for a
good death? We do all this

planning Costa. We plan when we
have babies, we plan our

marriages, we plan our
retirement. But we don't really

think about death as a time
where we could plan and the

planning has to be prior to the
event itself that has to do with

the decisions you make along the
way as your medical options,

your medical choices, do you
really want to do one more

surgery? Do you really want to
add one more chemo? round of

chemo? I'd like to tell people
that a good exit plan focuses on

quality of life first, and
treatment. Second,

Kosta Yepifantsev: can I ask you
kind of a controversial

question? I think it's important
because there are so many people

out there that are wrestling
with this issue. What if you're

one of those people in America
or even in the world that say, I

don't want to take care of my
parents when they get older? I

mean, what do you say to those
types of entities,

Star Bradbury: and I talk about
that in the book, I really,

really encourage people to
never, ever agree to a plan. You

know, you can't do you know,
your whatever the reason is,

whether it's time constraints,
financial constraints, emotional

abuse, as a child from parents,
you barely talk to or whatever

your situation is, I'd like to
tell people who are listening,

they can still be helpful. From
a distance, they need to set

their boundaries about what they
can do. And I tell people, their

own health, their own mental
health, or physical health does

not need to be put on the stake.

Because they're, you know, they
feel compelled to take care of

their parents if they absolutely
can't. However, having said

that, you know, I, I have worked
with so many families literally

1000s. And it's very sad to me
when I see a strange moment that

isn't healed before death. And I
say that partly because of the

aftermath. Meaning the adult
child's still living that never

repaired things on any level
whatsoever with their deceased

parent, and then they've missed
any opportunity. So I sort of I

know I'm hedging my bets here,
but there are situations where

somebody just cannot do that.

They cannot be the caregiver.

And I don't have any judgment
personally about that. When I

consult with families in that
situation. We'll find ways to

provide assist To help without
that direct hands on care, I

would also say try to heal on
some level, because you're the

one that will pay for it after
they're gone. That's my personal

experience. And my professional
observation.

Kosta Yepifantsev: That is great
advice. Now, when you're working

with families, especially in the
beginning, what's normally the

most overlooked or misunderstood
aspect of aging for your

clients?

Star Bradbury: I love love this
question. Well, I like to sort

of help people understand what
they might be facing by

describing in my book, sort of
the stages of retirement. And I

credit a friend for this because
I just love it. I talk about the

gogo years, the slow go years,
and the no go years. And one of

the biggest mistakes is that
adult children see their parents

after they've retired. And
they're like, oh, my gosh, I

don't even I can't even keep up
with them. They're traveling

hither and yon. They're all over
the place. They they're busier

than they were when they're
working. Oh, they're doing

great. And so they don't
anticipate that they're going to

transition at some point out of
the gogo years into the slow go

years or the no go years. And
nobody says that you can't go

straight from gogo to no go.

Right. So people will tell me,
Oh, my dad was golfing five

times last. Just last week. How
could you have gone downhill so

fast? That I just never saw it
coming? Well, I like to tell

people that are trying to
prepare themselves. It is not if

Costa, it is not if your parents
are going to need help. If

they're lucky enough to live
long enough. The really it's the

when When are your parents going
to need help? To what degree are

what what, how are you going to
be able to support them? And

that's one of the things that
people overlook. And the other

one that I just have to throw in
here is everyone underestimates

the cost of long term care.

They're so confused. You know
yourself. You've had the family

say, but I thought Medicare paid
for home care. I thought

Medicare paid for assisted
living, doesn't it papers? I

thought Medicare doesn't cover
skilled nursing and the answer

is no. No. and No. Yep. And they
don't know what it costs. So I

want to tell people who are
wondering, go look up Google or

whoever your search engine is
the Genworth cost of care

survey. Genworth is a big big
insurance company, they do this

national survey, that's
surveying the costs across the

United States, you can go to the
Genworth cost of care survey,

put in your zip code, and it
will show you the cost in your

area, which is drastically
different from state to state

can be for home care, home
health care, assisted living,

skilled nursing, you name it,
they're gonna give you the

median cost in your area. And
the best thing cost is they have

a calculator, that's, I always
tell people sit down, sit down

before you play with that
calculator, that projects future

costs. And you can go to 2050
2060 and see what you might be

paying as the adult child when
you are at, it will get your

attention. And

Kosta Yepifantsev: I think what
people don't recognize, is as

like, as labor prices go up. So
as people get paid, you know,

higher wages to work and fast
food if people get paid higher

wages to work and retail people
get higher wages to work in

manufacturing, and whatever it
might be. I mean, caregiving is

and that caregiving agencies,
they're not like a unicorn, you

know, they just always keep
their prices at, you know,

affordable rates. And yeah, at
some point, and I will say that

we are in a very precarious
position right now. Now, I'm not

I'm not gonna try not to go off
topic here. But we're in a very

precarious position right now.

Because we are, we have almost
priced ourselves out of reach

for a lot of Americans. If not,
if not most of Americans. And,

and that is a scary proposition
for a lot of families. Because

I'll tell you like in the next
six or seven years, we're going

to have more people that need
long term care may, even in the

next three years, to be totally
honest with you, the baby

boomers are crying well, and
they, the Silversea tell you,

you know, so the statistics
behind it. I've said this a

number of times on the show,
there's two things that you said

that I want to say I just want
to repeat number one, Medicare

doesn't pay for long term care.

So we just need to say that
because that's a mantra on our

show, or assisted assisted
living or nursing home stays

more than 100 days. So now that
we got that out of the way The

second thing is as individuals
between that were born between

the age started between the
years of 1946 and 1964, the baby

boomer generation is the second
largest population subset in the

United States. And it's only
behind Millennials by like a

couple million people. So it
might as well be the largest or

close are tied as, as the
largest when you turn 75,

between 75 and end of life, and
that can range for differently

for most people, but you have
about an 80% chance of needing

long term care. So it's an
inevitability. And the first

baby boomer that was born in
1946, turned 75, in 2021. So

we're in it, you know, and so I
think that people, yeah,

exactly. And people really need
to understand that if they're

not considering this planning,
this long term care planning,

that they are going to find
themselves. Like you said, my

dad was playing golf five days a
week, last week, and he had a

serious medical event. And now
he needs significant care.

Right. So

Star Bradbury: and that is, that
is so why I'm so I was so

compelled to write this book, to
really help people understand

the consequences of no plan,
then you start to lose. Now

you're making ill informed
uneducated decisions. Half the

people I've talked to don't even
understand the difference

between home care and home
health care, and who pays, I

address that in the book, they
don't understand assisted

living, or who would be accepted
or not accepted into assisted

living, and what kind of
licensing might be absolutely

critical to their parents future
or to not having to move their

parent again. And really,
honestly, I don't expect people

to know. But I do expect people
to accept that they can educate

themselves ahead of an
inevitable crisis and curveball

and be far more prepared to both
advise or jump in if needed, or

sit down and have these kinds of
conversations way, way ahead of

time. Rick, was much earlier
than you might think.

Kosta Yepifantsev: Do you think
there is a difference between

what we think we want and what
we actually want as we get

older? And what does that
differentiation usually look

like?

Star Bradbury: I do think
there's a difference. And I

don't know that you would be
aware of this unless you've been

in senior living for 25 years.

So in that timeframe, I've
watched, as I said, 1000s of

families make decisions, and
make plans or not make plans and

what those consequences are. But
if you ask me, What's the

difference between what people
think they want? And then what

they actually discover when
they're in that aging process? I

can't tell you Costa the number
of times I've had people say,

Well, after golfing for 10
years, I'm sick of it. And I

never thought I'd say that. I
thought when I retired, I would

was so excited about golfing, or
tennis or pickleball or

traveling or something that they
that they thought they'd never

that gave them so much joy
doesn't cut it anymore. And so

that's that's why pillar number
five is what is your passion,

what kind of legacy and for a
lot of people, they get to a

point in their life at some time
where they say, this just isn't

enough anymore. What I thought I
wanted to do in my retirement,

and they have to reinvent
themselves. The people that age

successfully Kosta are willing
to be honest with themselves and

reinvent themselves and find
something new to bring

themselves joy. And for a lot of
people, it's paying it forward.

It's finding some way to give
back. It's volunteering

somewhere in your community.

It's making a difference. Maybe
it's to children going to school

and reading to children or maybe
it's the homeless or maybe it's

your place of worship some
organization within your church

or synagogue or your mosque or
maybe it's but it's it's

reassessing your values in this
post retirement phase. Does that

make

Kosta Yepifantsev: does and I'll
tell you what's interesting when

you say legacy? I think it's
more about legacy and and

honestly than anything else in
terms of purpose in terms of

fulfillment. I think that we
have superpowers at every stage

in life. And and I don't mean
And I don't necessarily mean to

stereotype. You know, I know
that obviously, like you were

saying, before we started the
show, the largest demographic in

the United States at this time
are people that is growing is

our people between the ages of
90 and 100. So 90, and we've met

some 100 year year olds that
are, you know, still kick in,

and they're still in the gogo
phase. Right,

Star Bradbury: I have seen it,
and it's awe inspiring,

actually.

Kosta Yepifantsev: And so I, you
know, I think that, like, you

need to embrace what you bring
to society. And so a lot of

people when they look at
retirement, I am obviously a

little a little ways away from
retirement. So I'm not going to

feed into my bad habit of
telling people that are in

retirement, what retirement is
about. But I'm just saying in

terms of my perspective, I would
say that we are never done

giving back to society, and we
do our best work and live our

best lives, when we're giving
back. And when we are

essentially using our
superpower. And that's

essentially what you just
described. So

Star Bradbury: I really believe
that, and I've watched it. I've

watched it for many years, as I
worked in senior living. So I

worked in one of the top life
care communities in the country

for 18 years, I ran an assisted
living facility, I ran a memory

care facility. I had, I had the
opportunity to watch a lot of

families a lot of situations.

And I was keenly interested in
what is this factor? What are

the factors that go into aging
successfully? It's a willingness

to reinvent yourself, and and we
reconnect to your values and

live them

Kosta Yepifantsev: start
independence and maintaining

independence is one of the
greatest goals of everyday

success for anyone getting
older. What's your best advice

for someone seeking to maintain
that independence as they age?

Star Bradbury: Well, in my book,
I discussed two principles,

caster principles that you can
apply no matter what age you

are, but certainly as a baby
boomer, or certainly as you're

aging, and also a principle that
families can use to help loved

ones and their parents. And that
principle is how can I maintain

and prolong my independence for
the longest possible time, and

to use that principle, truly as
your as your foundation, and

your framework to making
decisions. And then principle

number two, is what I call just
in time Senior Planning, which

is, don't burden yourself with
trying to make a plan for 10

years, it's going to look very
different when you're 70, or 80,

or 90, but trying to plan for 10
years out is just a poor use of

your resources, whether they're
financial or emotional, right,

stick to a three to five year
window as you're planning. But

like with the Japanese, just in
time inventory control concept

that was very popularized. I
took that term from them, it

implies what's called continuous
improvement. So if I were to say

what the key things are to
maintaining independence, number

one, stay flexible. Number two,
be ruthlessly honest with

yourself and your partner or
your spouse. Number three, keep

applying principle number one,
what can I do to maintain and it

may not be staying in your home
Kosta? You may have said I am I

am aging in place. I'm never
leaving my home. I have a client

named Sharon who's 93. And she
said that I'm not leaving my

home. This is where I'm going to
stay. And then at 93 she

realized her home was taking up
too much time. It was taking up

too much money. She said I think
it's time for me to invest in

myself instead of maintaining my
own. I need more help. But I'm

not ready to move closer to
family. And she was brave enough

flexible enough ruthlessly
honest with herself. After

saying I will never leave my
home she moved into a full

service retirement community a
fabulous community that provided

the support she needed to
maintain her independence. No

more shopping all her meals
transportation provided 24 hour

security home care on site if
she needed it. Now this was

independent living. So you see
how applying that principle

could be used in so many
situations. So many different

situations. Like let's let's
take this situation. What if you

had a A mom or dad who had
dementia, and you knew it was

going to be progressive. And
they were getting worse. And

someone who said we have to
leave them at home, I don't want

to move them. And then you also
see that's not working. Maybe

mom is now wandering at 3am. Dad
is exhausted taken care of mom,

and you have to be flexible. You
have to be honest, you have to

step back and say, what
decisions can we make that will

maximize independence for the
caregiver dad, who's going to

end up in the hospital if he
keeps trying to take care of

mom? And how can we support mom
is her progression, her dementia

progresses? Well, again, if
you're maintaining independence

for those two people, Kosta it
might be time to consider memory

care facility that's going to
provide mom with that care, let

dad get some sleep at night, and
see as much as possible or live

nearby, or live in an
independent living in the same

community that offers memory
care to, so you have to be

flexible. You just can't get
through these challenges and

curveballs without it.

Kosta Yepifantsev: So here's the
million dollar question. Why do

we avoid the topic of ageing so
aggressively? And what can we do

to normalize getting old?

Star Bradbury: Well, you know, I
think it's a straight line. From

why do we avoid this topic. And
the straight line is to fear of

death, fear of dying fear of
getting, and some people have

said, it's not dying, I'm afraid
of its illness in capacity,

physical limitations, pain. So
it's really understandable when

you put it in that context.

Nobody wants to become infirm.

Nobody wants to lose their
independence. So I have great

compassion for anybody that's
experiencing that or feeling

that because it's real. There's,
you know, like I said, we're apt

to have some challenges along
the way. And because we don't

know, you know, we can't go get
our palms read, and nobody's

going to tell us, you know
exactly what's going to happen.

But you also need to be a
realistic optimist. That's the

term I describe myself, where
you're realistic about what

you're going to face. And try to
plan for some of those events so

that you have more choices, more
options for yourself. But I have

good news for you, though. We'll
wait. I want you to know

Kosta Yepifantsev: you have a
question? No, no, please go

ahead, finish. Okay.

Star Bradbury: My good news is
that there's a tremendous

movement in the aging industry
nationally today, to change how

we look at aging. I've been
getting an online newsletter

called ending ageism, together,
changing the narrative. And I

love it. There's all kinds of
ideas and workshops on there

called How to be an anti aging
social media influencer, or how

corporations and businesses can
change how they portray older

people and change this negative
attitude towards ageism. And

there's a wonderful book I want
to mention that I read that I

wrote about on my blog, and it's
Dr. Rebecca Levy. And her book

is called breaking the age code
ditch. Have you read haven't

read it before? That's
wonderful. Oh, I want to

encourage you to read it because
she says that, quote, the data

about how your beliefs about
aging determine how long and how

well you will live. Many of the
health problems formerly

considered to be entirely due to
aging, such as memory loss,

hearing decline, and even
cardiovascular events are

instead influenced by negative
age beliefs that dominate the

United States. And the data in
countries where wisdom is

celebrated and Rivard would then
the data is quite different. So

it's powerful, how you feel
about yourself as you age, what

our culture tells us about older
people is a powerful, powerful

influence.

Kosta Yepifantsev: I think a lot
of people don't realize, and you

said how important it is to be
optimistic. And we've obviously

touched on at length, how
important it is to be prepared.

What a lot of people don't
realize is and I just heard this

statistic the other day, so
maybe rather shocking, I'm sure

you know it but they're the one
of the very sad points of aging

and people over the age of 65 is
the suicide rate within that

population subset. It is a very
it's scary to To the degree that

people have sort of said, I
don't want this, I don't want to

become a burden. And we've
pushed, right. And we've pushed

this narrative as a society,
like our parents are becoming

our burdens. And it is, you
know, it's obviously people that

are in their younger years and
people in their older years. And

when I say younger, I mean under
the age of 35, but that are

having these suicidal situations
occur. And I feel like like you

said, it's because we've created
this narrative that's putting

people in an untenable position,
and they have nowhere to go. And

so we need to, we need to take
that box that we've put them in

and in, literally take all the
walls off and take it away and

give people the dignity that
they deserve and give it back to

them.

Star Bradbury: Well, that goes
back to pillar number five, how

can I stay engaged and connected
in my community, and what is my

purpose and passions, because
when people think about killing

themselves, they have lost that
they don't feel connected. And

COVID taught us how deadly truly
deadly isolation, and

loneliness, and those percent of
people who are feeling even

young people, which makes me so
sad, isolated and lonely,

they're not connected. And so
what I when I sit down with

families, I will say, Now, keep
in mind, as you're making this

plan to age successfully, and
trying to maintain your

independence, for the longest
possible time, if you know that

staying socially connected, is
critical to your physical and

mental health. Do you think it's
a good idea to stay in your home

20 miles out of town, living all
by yourself, no matter how

gorgeous your home is, no matter
how beautiful it is, if you're

alone, and I just helped a
gentleman figure out that he was

depressed and lonely, his his
wife had died eight years ago,

he had a beautiful home. But he
recognized that he was not going

to be able to stay there and be
healthy and independent. And he

moved to a community that
provided friends and activities

is Life is a compromised caster.

I don't tell people, they're not
going to miss their home. But

that home can be a prison. And I
have seen that when I had to go

in and do assessments for people
moving into assisted living,

lonely people in beautiful
homes, disconnected from family

and community. It's more
important, a community can add

contribute more to your health
than then even doctors can at

times,

Kosta Yepifantsev: we always
like to end the show with a call

to action. If you had to start
the process of Senior Planning

for a parent today. What would
you do first?

Star Bradbury: Well, I know this
sounds really self serving. But

the first thing I would say is
go buy my book and read the book

as a guide. Don't if you think
oh, I don't need this for 10

years. Don't wait. And if you're
a senior, yourself listening,

I've had lots of people say you
know what, I'm buying one for

myself. And I'm buying books for
my kids. And then we're going to

plan a zoom call. Because as I
like to say these conversations,

the one thing I would say, have
to start early. That's the one

thing I would say, don't wait.

So people say well, what's the
perfect time when your parents

are in their 60s, long before
they even retired? And the

beauty about that is it gives
people an opportunity to do a

lot of listening. A lot of soft
questions. You're not saying

have you done a will? Have you
done living? Well? What about

this good death thing? You're
not starting there? Costa? You

were like years before any of
those conversations potentially.

Ideally, you're saying things
like, Hey, I wonder are you

going to stay in Cookeville when
you retire? Are you thinking

about moving to Florida? Closer
to in your your sister, your

brother? What are you thinking
about doing? Oh, you want to

stay and age in place? You know,
I'm a little worried about that

mom, because all the bedrooms
and bathrooms are up two flights

of stairs, and there's no
bedroom or bathroom on the

bottom floor? It could maybe we
could remodel that, you know or

build a mother in law suite? Or
what about a tiny house option.

You know, there's all kinds of
ways to have fun talking about

things long before there's a
crisis. Because guess what Kosta

people are not more willing as
they get older to have these

conversations. The time to have
them are when there's zero

crisis, zero diagnoses, zero
emergencies lots of time like

why imaginary family dispensers
that go through weaved through

the whole book about how they
deal with making a plan and

unexpected curveballs. So yeah,
start the conversation early.

Caroline Moore: Thank you for
joining us on this episode of

Now or Never Long-Term Care
Strategy with Kosta

Yepifantsev.If you enjoyed
listening and you wanna hear

more make sure you subscribe on
Apple podcast Spotify or

wherever you find your
Podcasts,leave us a review or

better yet share this episode
with a friend. Now or Never

Long-Term Care Strategy is a
Kosta Yepifantsev

production.Today’s episode was
written and produced by Morgan

Franklin. Want to find out more
about Kosta? Visit us at

kostayepifantsev.com