My advisor has been talking to me about long-term care insurance, but I can't afford it. I still have 20 years on my mortgage that I'd like to pay off. He's got a lot of good ideas, but they all seem to cost money.
-Opal S., 62, Coventry, R.I.
Right now, I'm worried about the probability of living for 20 to 25 years or more. Living that long would cost a lot and I don't know if I have the resources to provide for that scenario. Also, as part of that, we are working out the terms of our living will and our end-of-life wishes, should either of us be incapacitated.
-Abe T., 72, Dubuque, Iowa