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You've heard it before—70% of Americans over 65 will need long-term care. While that number is technically true, it’s also misleading. Because here's what many people don’t realize: the vast majority of retirees will never face a catastrophic, six-figure care event. In fact, nearly two-thirds will spend ZERO out of pocket during their lifetime! 🤯 So how do you prepare responsibly without overpaying for protection you may never use? In this episode, I walk you through a simple 5-step process to decide if you can safely "self-fund" your long-term care needs, while still protecting your retirement plan and peace of mind. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 Schedule a Complimentary Strategy Session (https://www.definefinancial.com/retir...) *** FREE RETIREMENT PLANNING RESOURCES: Subscribe to my retirement newsletter, and you'll receive 3 of my MOST popular retirement & tax cheatsheets. 👉 Grab your cheatsheets → https://youstaywealthy.com/email *** EPISODE RESOURCES: 📊 Get Your FREE Retirement & Tax Analysis → https://www.freeretirementassessment.com ✏️ Grab the Episode Show Notes → https://www.youstaywealthy.com/257 📘 Check Out the Retirement Podcast Network → https://www.retirementpodcastnetwork.com