About the Book
Plan Today, Protect Tomorrow is your essential guide to navigating the complex world of long-term care. Without careful planning, families can face skyrocketing costs, limited options, and heartbreaking decisions in the moment of crisis.
Packed with practical strategies, real-life examples, and actionable insights, this book helps you understand care options, manage costs, and prepare for the future with confidence. Whether you're planning for yourself or a loved one, it empowers you to make informed decisions, avoid costly mistakes, and create a legacy of security and peace of mind.
Most people learn how long-term care works the week they need it. By then, the choices have narrowed and the costs have already started. Lindsay Friedman walks you through the actual mechanics of long-term care in the United States — what Medicare covers (and what it doesn't), how Medicaid eligibility really works, when long-term care insurance still makes sense, and how to think about home equity, retirement income, and family contributions before a crisis decides for you.
This is not a fear-based book. It's a permission slip to look at the numbers honestly, while you still have time to do something about them. Start planning now, because tomorrow won't wait.
What's Inside
- Why to plan: the real cost of waiting — skyrocketing bills, narrowed options, and heartbreaking choices made under pressure
- Why to plan: how a crisis without a plan reshapes a family's finances, relationships, and future
- How to plan: the practical strategies that protect your savings, your spouse, and your independence
- How to plan: real-life examples of families who got ahead of long-term care — and the ones who didn't
- How to plan: how to talk about money, care, and choices with the people who will be in the room when it matters
- What to plan: the care options that actually exist — home care, assisted living, memory care, skilled nursing — and how to know which one fits
- What to plan: how to manage and project the costs of long-term care without guesswork
- What to plan: the legal and financial paperwork every family needs in place before a crisis
- What to plan: how to build a legacy of security and peace of mind, not a stack of decisions left for someone else
Who It's For
- Pre-retirees building a realistic 20-year plan
- Adult children helping a parent who never planned
- Spouses worried about protecting the well partner
- Veterans and surviving spouses who haven't checked their benefits
- Anyone who finds long-term care explained in jargon and gives up