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    Tips for Comfortably Retiring on a Tight Income

Baby Boomers can still retire, even on a tight income, by taking steps to stretch their dollars! 

Tips, ideas and advice for making Baby Boomer retirement income go further!


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Retiring Baby Boomers

and Parental Care

Tips for Baby Boomers Who are Responsible for Elder Care

Parental care tips for Baby Boomers.Baby Boomers becoming caregivers for one or both of their parents face a challenging and rewarding responsibility.  If you are in this group, you belong to a fast growing segment of the Baby Boomer population.  Parental care is difficult, but giving back support and love to your parents can create a special time that brings you closer.  Our mission is to make elder care easier for you by providing tips, advice and useful information about parental care resources that can assist you in this. journey.


Some Sage Parental Care Advice from Boomers Who Have been There


As Baby Boomers ourselves who have been caregivers to parents that are now deceased, here is some seasoned parental care wisdom:

  • Recognize that your roles are switching - you are becoming the parent as they hand over more responsibility and authority over their lives to you.  The time will likely come when you have to make decisions for them.

  • Sit down with your parent(s) and have a frank discussion about how they would like to spend their "golden years."

  • Make sure your parent(s) have a Living Will, so that their wishes can be carried out as they approach death (e.g., do not resuscitate or unnecessarily extend life by artificial means).  Many hospitals will not let you make decisions for your parent(s) unless you are so appointed in a Living Will.

  • As a related caregiver, you should have a notarized Power of Attorney that allows you to Baby Boomers should make sure their parents have both estate and living wills!make decisions if your parent(s) are incapable of doing so.  It is also a good idea to become a joint account holder on their bank accounts and investments.  If your parents have a living trust, you should be named as successor trustee, so you can step in as financial manager if needed.

  • If necessary, help them set up a system to ensure that bills are paid on time.

  • If you are concerned about a parent's ability to continue driving, talk to their doctor or notify the local Department of Motor Vehicles (which may be able to require a driving test).

  • Have a written list of all the medications your parent(s) use, including dosage.  Know how to contact their primary care physician.  Have copies of their insurance records.  This is very important information for emergency room personnel and hospitals.

  • Discuss funeral and internment wishes with your parent(s).

  • In a tactful way, help your parent(s) sort through their belongings.  Whom would they like to receive special items?  What can be gotten rid of?

Baby Boomers should discuss funeral and internment wishes with their parent(s).
  • Make sure your parent(s) have a written, witnessed Will to avoid the messy, expensive and lengthy probate process.  Ideally, the primary caregiver should be the Executor of the Will.  Quicken WillMaker is an easy way to prepare a legal Will while working directly with your parent(s).  Attorneys often prepare Wills for an affordable fixed fee as well.

  • Know where all important documents are.

  • This is a precious time.  Include your parent(s) in activities and let them know everyday that you love them.


Elder Care Locator

The Eldercare Locator can help Baby Boomers find government resources to assist in parental care.


Need help?  Eldercare Locator is a helpful service that puts you in touch with state, local and federal senior services organizations.  They can provide meals, transportation, training and in-home professional services to assist you as a caregiver or to help your parent(s) continue to live independently in the community.



What Benefits are Available to Help Parenting Caregivers and their Parent(s)?


Baby Boomers have access to many outside resources to assist them with parental is a free online service where Baby Boomers can identify and explore benefits to which they and their parent(s) are entitled.  A service of the National Council on Aging, it covers local, state and federal programs.  And you can find everything in one place!


You can apply for extra Medicare help and find programs that can help you pay for prescription drugs, health care, utilities, taxes and more.



Don't have to give up driving


Boomer Parental Care and Hospice


Hospice is a world-wide movement to help terminally-ill people die at home in comfort (pain free) and with dignity.  For those of you who have lost a loved one, you probably already know this is aHospice helps people with terminal illnesses to die at home with dignity and respect. wonderful organization and a great alternative to dying in a hospital. 


Hospice treats death as a natural part of life and encourages both patients and their families to share the experience in a nurturing, loving fashion.  It focuses on the physical, emotional and spiritual needs of the patient and family. No other medical care provides this type of patient care.

Find a Hospice near you.


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