05/11/2026
I am exclusively home visits and telemedicine at this point. My second story clinic didn't meet the needs of most all of my clients, and admittedly, I do enjoy home visits so this was fine by me.
As I build my clientele in Lexington however (and surrounding areas), my clientele are older than they were in my years in Indiana. This makes sense since I started my career as a midwife, which made for lots of mommas and babies, and then husbands and older kids, even some grandparents. Now though, that I am not caring for pregnant women as often, the vast majority of people needing primary care are our seniors.
What I am taking notice, as I am starting my sixth decade of life, is how well people have prepared themselves for these later years in life and not just physically, but also financially.
Every client I meet, I ask if they have the financial means to care for themselves, to eat well, to obtain their medications and secure stable housing. People are struggling. Some are suffering.
I've learned that while we want soaking tubs when we are young, as we age, we depend on a walk-in shower. It's also important to have laundry and the primary bedroom on the main floor.
Into retirement, one must still maintain a reliable car and car insurance. I've had several seniors share with me they could not afford their car insurance any longer, and how this concerns them since they know their mental health is declining or their Parkinson's advancing.
Hearing aids, dentures, time in rehab after falls or joint replacements are expensive, as are many of the more important drugs. I met an 87 year old last week who says she plans to continue living a life of vitality for another 7 years and then she'll be ready to go, but she can't afford the $300 deductible for her glasses and she'd like to see her life until she is ready to go.
Only 18% of Americans make more than $100,000 a year. The average consumer debt is $22,000 a year. Most adults, 61% live paycheck to paycheck, and this is incredibly important when you are living off social security and are paying rent. A lot of senior citizens are living in apartments and will pay rent for the rest of their lives.
As much as I love to talk about optimizing health and wellness, moving in nature and talk therapy, eating well and sleeping sound, building good relationships and addressing trauma, it is also incredibly important to evaluate your annual income. Do you own your own home? Is your income stable and do you have multiple income streams? What percentage of your income is going into savings or how much are you investing? Do you have a retirement plan?
Your vitality depends on your financial freedom.