As a Christian, Should One's Children Be Seen as a Retirement Plan?

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seoulsearch

OutWrite Trouble
May 23, 2009
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9,809
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Hey Everyone,

I apologize for the long post, but this is a topic that's been heavy on my mind.

I've mentioned several times that nearly every friend I have is in a caretaking situation, most often for parents. I recently had the opportunity to act as an "assistant" to a friend with much more intensive duties and it was quite the learning experience.

To research the topic for this thread, I spent about an hour listening to videos with titles such as, "Your Child Is NOT Your Retirement Plan!" It was interesting to hear the opinions from both sides, pro and con.

One side talked about the fact that:

* Some parents felt their kids simply owed them, plain and simple. It was said that in black and Latino culture, one child is often picked as the hope of the family, given all the education and resources to be successful, but is then expected to come back and "save" the rest of the family by providing for everyone.

* Some parents pick a certain child as their designated caretaker, doing everything they can to make sure that child never has a significant other or if they do, insist that their child's loyalty be to them first over any spouse.

* Some parents made poor financial decisions, won't change, and now constantly rely on their kids for money, call them for honey-do lists, etc. -- ruining their adult children's marriages in the process.

On the other side of the coin:

* Other people stated that children are to be loved unconditionally, and that it's unfair to place this kind of burden on them.

* Some said that parents are responsible for taking care of themselves, having their own financial and retirement plans in place, and should let their children be free to live their own lives.


We singles are often asked, "Who will take care of you when you're old?" and it's a good question. My biggest fear is being a burden on others. My retirement plan (after taking care of my own parents until God calls them,) is moving near friends (many are also single,) and we can hopefully help each other. I have about 3 different places I could go. My whole life, I've always tried to save as much money as possible "just in case."

Over the years, I've run into many married people who seem to think they have a foolproof retirement plan (their kids,) and that we singles should have had at least one child so that we could be "prepared" like them. (I'm certainly not saying all married people think like this, but some of them I've known sure do.)

However, from what I've observed, having kids isn't a very foolproof way of "future-proofing" ones' life.

I've personally seen many of these "Kids to Make Sure I'm Taken Care Of" plans fall through because:

* There was a falling out, and now the parent and their child(ren) are estranged, with little hope of ever reconciling.

* The adult children moved away and due to work, etc., and can't move back.

* The adult children married a spouse from another country, and they moved to take take care of the spouse's family.

* The person's spouse AND child(ren) died.

* The person's adult child is choosing an alternative lifestyle (such as being homosexual,) is unrepentant, and shuns the parents for not being "accepting."

* The adult child wants their own life and flat-out refuses to help.

I had a friend who worked in nursing homes for 10 years, and he said the saddest time was at Christmas and the holidays -- because you saw how many people had been dumped there by families who never wanted to think about them again.

In the videos I listened to, health care workers said they are now seeing many cases in which it's only the spouses and siblings of the elderly who are looking after them, not the person's own adult children.

My parents have always adhered to the passage: "If anyone does not take care of his own relatives, especially his immediate family, he has denied the Christian faith and is worse than an unbeliever." -- 1 Timothy 5:8

However, they have NEVER imposed this on US -- rather, they saw it as their God-given mandate to make any and every sacrifice to make sure they could be there for their children, always balancing, "We're here if you need us," with personal responsibility (making us budget/start paying for things while we were still at home, etc.) They have NEVER, ever, not even once, implied that we owe them anything. In fact, my parents dread the thought of needing us for anything, because they don't want to be any trouble.

They have always encouraged us to live full, independent lives. If I were to marry, my parents would welcome my husband as a treasured son.

But as time goes on, of course the tables are turning. It's even more important to me because I am adopted. I'm well aware that some circles see adoption as second best, or a consolation prize for not having a "real" child. But my parents have NEVER treated me as anything other than their very real child.

Several years ago when we were living far apart, my Mom had an emergency. My Dad's phone message, with him trying to hold it together but then breaking down and crying at the end, BROKE my heart, and I told God, "I can't stand this!!!" God opened the doors, and I have never lived more than 20 minutes away from them ever since. If a time comes when they might need constant help, I will move into the same apartment complex as them. (Until then, we all admittedly like our own space, lol!)

I realize how blessed I am in that I have loving Christian parents. I can't imagine what it's like for the people who have parents/family members who are abusive, alcoholic/addicts, have treated them terribly, etc., but yet they still choose to care for them. I have nothing but utmost admiration for people like this.

God has very strongly placed older people on my heart. I want to cry when I go the local Walmart, because there are so many people working their in their 70's and 80's, possibly 90's. I know for some of them, they have no other choice. God has me in a Lutheran church where I am surrounded by canes, walkers, and wheelchairs -- and I know this is exactly where He wants me. My heart is broken every Sunday, but I am trying my best to follow God's lead.

I am utterly heartbroken for anyone, of any age, who is an orphan with no one to care for them.


I know this is a very sensitive topic, but if anyone would like to share, I hope to hear from all of you.

* Should Christian families see their children as their "retirement plan?" Should Christian adult children just be expected to care and provide for their parents, no matter what?

* Should Christian adults plan for their own care, and not rely on their children? (Should any help they receive from their children just be seen as an added, but not obligated, bonus?)

* What have you seen or experienced regarding adult children caring for their parents? What have you seen or gone through that's been good, bad, or just plain ugly?

* What happens "if things go wrong" -- when someone sees their children as a "back-up plan"-- what happens if it falls through?

* Has anyone found any solutions for "adult orphans"? (Care groups, organizations, etc. -- or is the only answer going to a nursing home?)

* What happens to adults who can't pay for extra care or nursing homes?


Again, I know this is a very heart-wrenching topic.

But I'm very interested in hearing what people in the Christian community have to say.
 
Well for a long time families lived in multi generational households and the able bodied took care of the not so able bodied, but everyone was expected to pull their own weight as they grew up and were capable of doing so.

And I think so much of what you think "should be done" depends on your family culture. I remember my mom explaining my grandmother's concern for me and her single again daughters as " Well in Grandma's generation women were always taken care of by someone". And I remember a friend overseas explaining the local mentality of why people expected to mooch off of family members as " there's a certain amount of luck and success to go around so if you're doing better than me it's because you took some of my share of luck / success".

But society only really works if every adult takes responsibility for taking care of and providing for themselves. That's true north and it's your responsibility to save for the future when you can no longer work and may need to pay people to do things that you now do for yourself. But if you're a single mom trying to raise several kids well, saving will be extremely difficult and you may well not have enough to take care of yourself in later years. When through sacrifice and circumstance an adult isn't able to provide for their needs in old age, then the family that benefitted from their sacrifice should step in.

But any manipulation by the parents to keep a child from having their own life so that the child will be available to take care of aging parents or parents who are just spendthrift and then expect their children to subsidize their irresponsibility is absolutely wrong. While the Christian thing may still be to care for those parents, I can't say the parents deserve or have earned it. It's mercy not justice.

As for me, I hope to have enough in retirement so that if I need to quit work around 50 to care for my parents, I could do so without endangering my own old age future. Practically I don't expect to have to do that as my parents have enough money saved up to provide for their own long term care if they need it.

And when my time comes, well I may find some other elderly friends around so we can help each other. I'll probably have to learn to hire people to do stuff I can't still do myself. Or maybe I can get service dogs to do things for me that I can't easily do for myself and then have a bunch of dogs and helpers.
 
A lot of churches have things called 'care centres' that look after the elderly if their children can't. They are usually once a week get togethers during the day, transport is provided, there's fellowship , activities etc. Its more than just a church service.

I can say that my mum who wasn't Christian, did the first two on the list. At the very end, we had to put her in the private hospital/rest home as it was too much, even with 4 of us and my dad. She'd never wanted to go, but there really wasn't any option. the public hospital wouldn't let her come home permanently as she was too much of a risk with falling etc. Though we got the best care, and I think it was out of the insurance money that was released to her, though my brothers bore the cost of the funeral. Also the care home was just up the road from me.

Cancer is a beast. The progression can take a long time, and days can be up and down. With a thing like a stroke, or heart attack at least that is a quick way to go.

When parents are healthy its not a burden to live with them, well mostly and sort of look out for them. But the emotional cost and sort of dependency is something else. I think daughters, esp mothers and daughters, have a bond thats very hard to break. Sons get more leeway as they have careers/jobs they can't really give up. It's expected for daughters to be the carers, and to live not too far away. One of my cousins and her husband just lives right next door to her mum. The. house was for sale and they snapped it up, without even looking inside first lol.
 
If there is room, or even if there isn't family will come look after their parents. most parents that I know of dread or hate having to sell everything to move into a retirement village, esp if they don't know anyone else there, and are quite tied to their own place.

I have worked in retirement villages and you have to be quite well off to live in one. They are not cheap. Most now come with care centres/hospitals/ assisted living attached, as the retirees get older because they don't really want to be moving again.

Moving house is stressful. But a lot of parents downsize in anticipation of this. However it depends on how big their house and land was in the first place. If it was the right size and not too big and relatively flat, its easier to stay in there longer.
 
It definitely helps if u live in a country with a good welfare system . In the U.K. no pensioners r homeless and everyone gets a state pension , topped up by welfare if need be , when they reach the age of 67 . That's not to say they r rich or anything like that but , most do have enough to live on .
I have recently stopped helping to look after my mum . It was very obvious to me that she didn't want me there and hadn't for some time so , I took the hint . Ive never been so happy or relaxed for about 5 years .
I know this sounds heartless but I honestly think she has given me PTSD . Not all elderly people r sweet gentle souls .
 
UK pensioners who come here and get residency are able to get the UK pension AND the NZ pension. ?! So they are the wealthy ones in the retirement villages.
Here its 65 but I think they'll raise it by the time I'm that age.
 
We have kiwisaver which is an investment fund that is managed and you can't access it till you reach 65, except if you want to use it to buy a first home

Not all jobs have superannuation.

I think someone mentioned it was a cheap thing to do living off your children. Well..reality is many people do it cos they can't find good jobs and the children can get better, well paid ones. It's a matter of survival really. And actually a lot of children WANT to look after their parents, it's not really a duty if you love them.

But living with a grumpy parent who needs you but doesn't want you there is yea, not ideal. Granny flats were made so that they can have some independence and not be living on top of each other.
 
I've noticed that the mainstream 'Christian' lifestyle or way of living is generally just thought of as middle class. As if there are no poor Christians. Poor Christians tend to go or attracted to those prosperity gospel churches that prey off their need for pastor's rich lifestyle living off the proceeds of donations, or skimming the top of tithes.

I wish it weren't so, but it's really obvious to anyone that's what they are doing.
 
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Well for a long time families lived in multi generational households and the able bodied took care of the not so able bodied, but everyone was expected to pull their own weight as they grew up and were capable of doing so.

And I think so much of what you think "should be done" depends on your family culture. I remember my mom explaining my grandmother's concern for me and her single again daughters as " Well in Grandma's generation women were always taken care of by someone". And I remember a friend overseas explaining the local mentality of why people expected to mooch off of family members as " there's a certain amount of luck and success to go around so if you're doing better than me it's because you took some of my share of luck / success".

But society only really works if every adult takes responsibility for taking care of and providing for themselves. That's true north and it's your responsibility to save for the future when you can no longer work and may need to pay people to do things that you now do for yourself. But if you're a single mom trying to raise several kids well, saving will be extremely difficult and you may well not have enough to take care of yourself in later years. When through sacrifice and circumstance an adult isn't able to provide for their needs in old age, then the family that benefitted from their sacrifice should step in.

But any manipulation by the parents to keep a child from having their own life so that the child will be available to take care of aging parents or parents who are just spendthrift and then expect their children to subsidize their irresponsibility is absolutely wrong. While the Christian thing may still be to care for those parents, I can't say the parents deserve or have earned it. It's mercy not justice.

As for me, I hope to have enough in retirement so that if I need to quit work around 50 to care for my parents, I could do so without endangering my own old age future. Practically I don't expect to have to do that as my parents have enough money saved up to provide for their own long term care if they need it.

And when my time comes, well I may find some other elderly friends around so we can help each other. I'll probably have to learn to hire people to do stuff I can't still do myself. Or maybe I can get service dogs to do things for me that I can't easily do for myself and then have a bunch of dogs and helpers.

I have often thought about this too -- that in the USA, it's seen as a God-given for each generation to have its own house and living space.

But I've often wondered if cultures and families where several generations live under one roof or at least close by are a much better safety net for people as they get older.

Though I feel like a hypocrite for saying that, because my family members all have very strong personalities (imagine that!) awouldn't have as peaceful of an existence if we didn't have separat space -- which I very much realize is a luxury.

Thank you for sharing your plans for how you'd like to care for your parents, and for yourself.

Time never stands still, and I find myself more and more drawn to such life stories.
 
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A lot of churches have things called 'care centres' that look after the elderly if their children can't. They are usually once a week get togethers during the day, transport is provided, there's fellowship , activities etc. Its more than just a church service.

I can say that my mum who wasn't Christian, did the first two on the list. At the very end, we had to put her in the private hospital/rest home as it was too much, even with 4 of us and my dad. She'd never wanted to go, but there really wasn't any option. the public hospital wouldn't let her come home permanently as she was too much of a risk with falling etc. Though we got the best care, and I think it was out of the insurance money that was released to her, though my brothers bore the cost of the funeral. Also the care home was just up the road from me.

Cancer is a beast. The progression can take a long time, and days can be up and down. With a thing like a stroke, or heart attack at least that is a quick way to go.

When parents are healthy its not a burden to live with them, well mostly and sort of look out for them. But the emotional cost and sort of dependency is something else. I think daughters, esp mothers and daughters, have a bond thats very hard to break. Sons get more leeway as they have careers/jobs they can't really give up. It's expected for daughters to be the carers, and to live not too far away. One of my cousins and her husband just lives right next door to her mum. The. house was for sale and they snapped it up, without even looking inside first lol.

This sounds like a wonderful service and I wish we had more things like that here.

I am so sorry about your mom. 😢 And I understand about daughters usually being seen as the caretakers. The only families I know where the sons are doing this is when the parents only had sons, or the sons are the only ones who live close enough.

I'm most definitely NOT trying to knock on sons at all, I'm just agreeing with the observation that culturally, it seems caretaking most often falls on daughters.

UK pensioners who come here and get residency are able to get the UK pension AND the NZ pension. ?! So they are the wealthy ones in the retirement villages.
Here its 65 but I think they'll raise it by the time I'm that age.

My goodness!!

I am guessing the native New Zealanders are not very happy about this?!
 
It definitely helps if u live in a country with a good welfare system . In the U.K. no pensioners r homeless and everyone gets a state pension , topped up by welfare if need be , when they reach the age of 67 . That's not to say they r rich or anything like that but , most do have enough to live on .
I have recently stopped helping to look after my mum . It was very obvious to me that she didn't want me there and hadn't for some time so , I took the hint . Ive never been so happy or relaxed for about 5 years .
I know this sounds heartless but I honestly think she has given me PTSD . Not all elderly people r sweet gentle souls .

After reading several of your posts about your Mum, I can't blame the way you feel at all, Suze.

To me, this would be the toughest situation of all -- having to care for someone who is just not a good person and has mistreated the the person caring for them all their life.

I give you nothing but kudos for the things you did to help your Mum, and I'm glad, for your own mental health, that the burden has been lifted from you. 💖
 
Well the Bible does say that if you have a lot of kids, you have a quiver full of arrows.

I have seen Grandma's arrows fly. Her kids didn't live with her, but any time she needed anything, they took care of it. Sometimes they would all three bring food, and after they installed the new sink drain they'd make a family dinner out of it and sit around talking a couple hours.

It never was a matter of "I took care of the last one, now it's YOUR turn" either. It was always more like "I'm in the best position to take care of this, so I'll get it" when they discussed what their momma needed.

I realize it was an ideal situation, the way things are supposed to work, and I am aware that a lot of families don't work like that. But I have seen it work the way it's supposed to, and it's a beautiful thing.
 
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As for myself... Well... I'm a single guy. No wife, no kids. When I get old I'll be a lonely old phart. But I will try very hard to not complain, because I didn't put in the work raising any kids.
 
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* Some parents felt their kids simply owed them, plain and simple. It was said that in black and Latino culture, one child is often picked as the hope of the family, given all the education and resources to be successful, but is then expected to come back and "save" the rest of the family by providing for everyone.

* Some parents pick a certain child as their designated caretaker, doing everything they can to make sure that child never has a significant other or if they do, insist that their child's loyalty be to them first over any spouse.

I heard one mexican comedian talking about his parents having a lot of kids. "I asked momma why she had so many kids. She said, well I didn't think all of you would SURVIVE! I figured maybe 50/50."

"But now I've figured out why they had so many kids. They were counting on the richest one taking care of them when they got old. So far, I'm the lucky guy."
 
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Well the Bible does say that if you have a lot of kids, you have a quiver full of arrows.

I have seen Grandma's arrows fly. Her kids didn't live with her, but any time she needed anything, they took care of it. Sometimes they would all three bring food, and after they installed the new sink drain they'd make a family dinner out of it and sit around talking a couple hours.

It never was a matter of "I took care of the last one, now it's YOUR turn" either. It was always more like "I'm in the best position to take care of this, so I'll get it" when they discussed what their momma needed.

I realize it was an ideal situation, the way things are supposed to work, and I am aware that a lot of families don't work like that. But I have seen it work the way it's supposed to, and it's a beautiful thing.

If only everyone could be blessed to have a family like that (and be the kind of person who inspired that kind of love in her children.) 💖💖💖

This post was a sunny ray of light in a very dark world.

Thank you so much for sharing, especially, "I have seen Grandma's arrows fly." 😩

Amazing!
 
After reading several of your posts about your Mum, I can't blame the way you feel at all, Suze.

To me, this would be the toughest situation of all -- having to care for someone who is just not a good person and has mistreated the the person caring for them all their life.

I give you nothing but kudos for the things you did to help your Mum, and I'm glad, for your own mental health, that the burden has been lifted from you. 💖
So I stopped going to look after my mum on June 5th . On July 4th she had asked me to go and c her so i did . We spent a couple of hours in small talk and just b 4 I was due to leave , she mentioned that her carer was going on holiday at the end of this month for ten days . I know she was waiting for me to offer to fill in for her . So , she said that she doesn't need someone every day then said that my step sister Liz has offered to do it . She looked me right in the eyes and said very firmly ' I cannot stand the thought of her being here every day ' . I said that ' you've just said that u don't need someone every day so just get Liz to come every other day ' . My poor step sister ( paranoid schizophrenic ) has no idea that my mams ( and her carer Mel's ) nickname for her is ' the lunatic ' and that my mam has slagged Liz's husband off to my entire family . What do I do ? Personally I'm inclined to just say nothing . My mam talks about literally everyone behind their backs . Her carer Mel thinks that my mam loves her more than she loves anybody else in the world but , all I would have to do to shatter that illusion is to open my mouth and tell Mel all the things that my mam has said about her behind her back . But again I say nothing . Am I doing right by keeping my mouth shut about my mams evil ways ? My mam says these things to me and others because she knows that we r mostly , not the kind of people who spread gossip / rumours etc . So she's been getting away with all this sort of thing for literally decades . Am I wrong in keeping my mouth shut ? If I opened it I know that many people would b deeply hurt by the things my mam has said about them behind their backs but , have I not been enabling her all these years by saying nothing ? I'm still inclined to say nothing as I don't trust my own motives if I decide to say something , would I not b just getting my own back by opening my mouth ? I've had to live with all this duplicitousness and nastyness all my life . I'm finally breaking away . I think I should just keep my mouth shut and not look back .
 
So I stopped going to look after my mum on June 5th . On July 4th she had asked me to go and c her so i did . We spent a couple of hours in small talk and just b 4 I was due to leave , she mentioned that her carer was going on holiday at the end of this month for ten days . I know she was waiting for me to offer to fill in for her . So , she said that she doesn't need someone every day then said that my step sister Liz has offered to do it . She looked me right in the eyes and said very firmly ' I cannot stand the thought of her being here every day ' . I said that ' you've just said that u don't need someone every day so just get Liz to come every other day ' . My poor step sister ( paranoid schizophrenic ) has no idea that my mams ( and her carer Mel's ) nickname for her is ' the lunatic ' and that my mam has slagged Liz's husband off to my entire family . What do I do ? Personally I'm inclined to just say nothing . My mam talks about literally everyone behind their backs . Her carer Mel thinks that my mam loves her more than she loves anybody else in the world but , all I would have to do to shatter that illusion is to open my mouth and tell Mel all the things that my mam has said about her behind her back . But again I say nothing . Am I doing right by keeping my mouth shut about my mams evil ways ? My mam says these things to me and others because she knows that we r mostly , not the kind of people who spread gossip / rumours etc . So she's been getting away with all this sort of thing for literally decades . Am I wrong in keeping my mouth shut ? If I opened it I know that many people would b deeply hurt by the things my mam has said about them behind their backs but , have I not been enabling her all these years by saying nothing ? I'm still inclined to say nothing as I don't trust my own motives if I decide to say something , would I not b just getting my own back by opening my mouth ? I've had to live with all this duplicitousness and nastyness all my life . I'm finally breaking away . I think I should just keep my mouth shut and not look back .
"A person who talks TO you ABOUT everyone, will talk ABOUT you TO everyone."

If these people don't connect the dots and realize that she is talking about them behind their backs... There's not much you can do without being very, very crass. And I personally don't think I'd cross that line unless there's loss of money, health or life involved.
 
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My goodness!!

I am guessing the native New Zealanders are not very happy about this?!
I just think they're very lucky. If it works out for them ok then I'm not going to begrudge them. It just means those that do so in theory shouldn't be complaining about anything. But we all know that's not the case, Poms (those from England) can be the most whinging people ever.
 
To answer the OP question, no.

I don't think our children should have to be our insurance policy in future.
I don't think it fair to see them as debtors for being born. We cared for you, raised you. Now you have to care for us in our twilight years.

I have a LTC policy for such things. Long Term Care.
It's designed specifically to cover future assisted living expenses. Because traditional insurance and certainly not Medicare cover such things.