26/01/2026
Middle age is not too early to plan for old age. It’s already late for some of us.
As a clarity coach, I usually give this advice privately to clients.
Today, I’m giving it freely — because the pain is real.
How do I know?
Because I am the one living through it.
When we’re in our 40s and 50s, we’re busy taking care of everyone else — kids, parents, work, responsibilities. We assume “later” will sort itself out. It doesn’t.
Here are 3 uncomfortable but necessary truths I share with my clients:
1️⃣ Have a trusted person who is younger than you.
One day, we may not be physically, mentally, or emotionally capable of managing everything ourselves. Hope is not a plan. You need someone who can step in — not just someone you wish would.
2️⃣ Think very carefully before having joint accounts with kids or family.
Love does not equal responsibility.
Ask yourself honestly: Will they really step up when things get hard?
If the answer is uncertain, save yourself future heartbreak. Keep things simple, clear, and clean.
3️⃣ If you set up a Will or Lasting Power of Attorney, never assume. Ask.
Ask if the person is willing.
Ask if they are financially able.
Many people don’t realise this: executors or LPA donees often have to pay out of their own pocket first, then claim later — if they even can.
Being “chosen” is not the same as being prepared.
And here’s the painful part I see again and again:
Family members fighting over three ways to split two bucks — while the person who planned nothing suffers the most.
Planning for old age is not pessimistic.
It is an act of responsibility, dignity, and self-respect.
If this post makes you uncomfortable — good.
Discomfort is often the first sign of clarity.
If you’re in your middle age and this hits close to home, you’re not alone.
And it’s not too late to start asking the hard questions — while you still can.
💬 If this resonates, share it with someone you care about.
Sometimes love means starting a difficult conversation today, not leaving a mess tomorrow.
