Free 7-Part Audio Course
"Your Perfect-Life Focus"
Discover the key to facing choices and creating your ideal life!
Our pledge: your information will never be
shared, sold or traded!   
Privacy Policy

July 10, 2008

Caregiving and Aging

Filed under: Katana Abbott's Posts

As you know, I have been a caregiver to my parents. I am thankful I was able to communicate early with my folks, in fact, 15 years ago we had the conversation and I am able to enjoy time with my mother, without the stress of being the day-to-day caregiver. She lives at Sunrise Assisted Living 10 minutes away and is enjoying her security and comfort brought on by good planning. The planning we did as a family has allowed her to have plenty of income and security for the rest of her life. It also allows me to follow my dreams of writing, speaking and traveling. If you want to learn how to be prepared for caregiving with your loved ones, please feel free to visit www.DesignatedDaughter.com and download your free copy of our Caregiver’s Manual which will take you through the steps I took 15 years ago, as well as our Designated Daughter ezine. No matter where you are in the process there is a plan and help that’s perfect for you and your loved ones caregiving needs. Please let us know how we can support you. If you are a caregiver for a loved one, please be part of our survey and tell us, “What is the single biggest challenge you are facing today as a caregiver?” You can submit your response simply by filling in the comment box below under “Leave a Reply”. We also would like to hear your questions on our blog.

When Parents Need Caregiving: How to Prepare for that Call in the Night

Filed under: Katana Abbott's Posts

Pat Samplesby Katana Abbott
Founder, Smart Women’s Coaching

As women, we are often expected to fill multiple roles: loving mother, career woman, supportive wife or partner and for many, a new role – that of a caregiver to aging parents or disabled loved ones. For the last 20 years, I have helped clients create financial plans for their “golden years,” and address issues of aging and remaining independent.

We all dread the idea of that “call in the night” - the one that means we must step into the “Designated Daughter” role, manage our parent’s lives and make tough decisions about their care and welfare. But for many of us, that call will come, and it pays to have everything in place in advance. Here are five steps that you can take now to get prepared:

Step 1 - Get Organized
Before attempting to discuss financial, tax and estate planning issues with your loved ones, be sure to sit down with a financial advisor and get your own life plan in order.

Step 2 - Initiate “The Discovery Conversation” with Your Loved Ones
One way to initiate this conversation is to ask them what they would do if something happened to you. Do they know the names and contact information of your advisors? Your doctors? Do they know where to find documents such as your will, or medical forms? This may help lead the conversation into what your role would be for them. Are you needed as a caregiver, a trustee, or a personal representative? Who else might be involved? Knowing this up front will help you plan for your own future.

Step 3 - Start Planning as Early as Possible Don’t wait until the unexpected happens. It’s never too early to start planning for the unexpected. Meeting with an attorney, financial planner and insurance agent to create the proper planning may be all it takes to make sure your needs are met. Planning early when your have the most options makes sense – being proactive rather than reactive. Step 4 - Consider Purchasing Long Term Care Insurance
Start the conversation when your parents or loved ones are young and healthy and then suggest that they apply for long term care insurance as early as possible. We are living much longer and the need for healthcare and related services is exploding. In fact, seriously consider purchasing your own policy now while you are still healthy and the premiums are affordable!

Step 5 - Create a Team of Trusted Advisors This is not the time for-do-it-yourself-planning. Find a “key advisor” who is an eldercare expert and have them manage the team with you based on your loved ones goals, values and objectives. The final product should enable your loved ones to maintain their dignity, lifestyle and assets. It should also meet the needs of the caregiver. The end result: everyone involved should be able to sleep better at night knowing all concerns have been addressed and that a team and a plan is in place to meet the unexpected.


Katana Abbott is currently writing, “Secrets from a Midlife Millionaire – Create Your Perfect Life”. After a 20-year career, she left her $100 million investment management and financial planning practice to follow her dream of helping women find their passion, be financially aware and prepared, have access to the right resources and meet some of the top business-building experts in the country. Visit www.smartwomenscoaching.com to sign up for her free 7-part audio mini course, “Your Perfect Life Focus” and to access her other programs!

“It’s My Fault”

Filed under: Guest Authors

Pat Samplesby Pat Samples, M.A.
Speaker, Educator, Author
Family Caregiving and Conscious Aging

Caregivers are artists at feeling guilty. Check it out for yourself. How many times a day do you sink into self-blaming thoughts such as, “I’m so terrible because I put my husband/wife/parent in a nursing home…because I just couldn’t stay up all night when he/she was sick…because I don’t know the right thing to do.” Sometimes I think guilt is the caregiver’s state religion!

Caregivers care so much that they assume they are responsible for how everything turns out.

Not so.

The illness of someone we love and a great many of the surrounding circumstances are out of our control. True, we can do a number of things to try to be helpful, but we’re not responsible for the outcome. Really!

That’s one of the hardest things to accept about being a caregiver. We can’t control the illness, or how the medication works, or how the medical or social service systems work (for the most part), or how our loved one or anyone else around us thinks, feels, or acts. Oh, how we want to! We’d sure like things and people to be different than they are. And if we have any controlling tendencies, by golly we’re going to jump in there and get things straightened out, aren’t we?

Sometimes, that’s a good thing. We go to bat for our loved one to get them what they need against all odds, and we feel darn proud of it.

But mostly, a whole lot of what happens when someone we love is sick is out of our control, and no matter how determined we are or how nice we try to be, we can’t change it. We especially can’t change how others around us think or behave. And in truth, we’re not in charge of that. That’s their business. We’re only responsible for our own thoughts and actions. Yet, we may find ourselves getting all scowl-faced over how others are acting, and then on top of that, blame ourselves for not being able to fix them to our liking.

Well, maybe we’re taking on way more than makes sense. We’re assuming we should do everything perfectly and also taking the blame if others aren’t perfect as well. The catch is that, even if we got everyone around us acting “right,” we still can’t control the outcome. Illnesses will get better or worse. We’ll be too tired to do more sometimes. People will be happy — or not. Our insistence on having things turn out different than they do, and the guilt we take on when it doesn’t happen, only serve to wear us out.

For the most part, we’re not in control, and the good news is we don’t have to be. We can take ourselves off the hook. We do what makes sense in each moment, and that’s enough. (Really now, what more can we do?) In the end, we’re better off if we trust the outcome to a power greater than ourselves and kiss guilt goodbye.


Pat Samples has spend the past 17 years helping midlife women and caregivers find inner clarity, strength, and peace of mind. In her eight books and hundreds of talks and workshop across North America, she has been a champion for living with intention and creativity in our older years.

Her newest book, which has been called “what our generation wants to read” by AARP’s magazine, is the Secret Wisdom of a Woman’s Body: Freeing Yourself To Live Passionately and Age Fearlessly. She helps people discover the gift that they are and the gift that life is — until their last breath.