Elderly Care Home Alternatives With Alison Lee From Brightstar Care

What’s up folks. We’re gonna be talking to my friend, Allison who runs a business that helps folks like yourself, trying to find care options for our elderly parents. It’s gonna offer some other options. I didn’t know that was available. Other than sticking your parents in the care home that costs a fortune.

This allows them to age in place, which I think a lot of folks do like because they like their home. And I think it sounds like a great option, at least for myself. Now, if you guys are new to our group please sign up at simple passive, casual flow.com/club.

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All right. Hey folks lane here with my good friend, Alison Lee, we are in an entrepreneur group together and we’ve gotten to know each other pretty well. So as you listen to podcasts and people normally say my friend dot, that’s just codename for, I just met the person a little while ago, but here I’ve known Allison for probably over a year now.

And. We know each other pretty well, and she just happens to own a bright star care franchise. So I tricked her into jumping on the call today and giving us the insider’s perspective on what are you gonna do with your elderly parents? Because all you guys out there are the ones who are good with your money.

It’s not your other brothers and sisters who are trying to keep up, but it’s ultimately gonna fall on your hands and what the heck is gonna happen with mom and dad. But yeah. Welcome Allison. Thank you so much for having Elaine. Yeah Allison works out of Honolulu, Hawaii, and she caters towards folks on the island of wahoo for the most part.

Correct for now? Yes. We’re hoping to expand to new islands. Maybe just give us a little idea, just some context of what you guys do for folks. And then we’ll, we’ve got like a list of questions that most of you guys will probably think of out there, as you’re trying to plan the end of care options for your parents.

But yeah. Why don’t you give an insight? What the heck is a Bright Star Care Okay. So like you said, we’re part of a national franchise, but each franchise actually has the flexibility to focus on a variety of areas. So some locations are more into staffing. Others do a lot of skilled nursing.

We happen to do a lot of private duty home care and skilled nursing, which basically means it’s out of pocket care. So it’s not covered by Medicare or Medicaid. It’s private pay or long term care will cover it. That’s the majority of what we do. So what we offer is a full spectrum from just companion level care.

Which is like, Hey, keep mom company, make sure she turns off the stove, that kind of thing. To hands on, help my mom take a bath, get ready in the morning, help make sure she eats, make sure she takes her meds, that kind of thing. And then all the way to we each we do have some skilled nursing care.

So we do a lot of wound care and things like that. And this is the problem for somebody like us, trying to figure out what our parents are gonna do. Like they may be okay now, but that’s the big unknown is like, how are they gonna be in five years, 10 years, 20 years? That’s what makes planning so hard for our parents. And then of course, even for ourselves, I think then the more I’ve done this business, the more I’m aware of okay, we really have to make a plan for this.

Maybe outline the traditional options for folks. My understanding is it’s, you’ve got the care home and maybe there’s a couple different levels and in-home care, but what maybe like the array of options. So I think depending on socioeconomics, there’s a vast array, but I think for your audience it’s probably gonna be more on the higher end. And so there’s where it’s not, you’re not depending on Medicaid coverage, that sort of thing. Although there are those options and some people.

Do financial strategies so that they qualify for that as well. But mostly the people that we are dealing with they’re looking at either aging in place at home or going to an independent living facility which really is more of a senior community lifestyle thing where they’re still quite independent.

Other people are more against it, they need a little more care. So they’ll go to an assisted living facility. And then there are what they call CRCs which is a continuing care retirement community. And that is where you have the whole spectrum. Again, you go from independent to assisted to skilled nursing.

Those are options. And like you said, there are care homes and other things like that. And then what we do of course is the age in place. So you really have a caregiver in the home. Some people do it with their own family members or friends or volunteers from churches or other people will, take the risk and do a private caregiver that they pay out of pocket.

Before we go into that agent place option, I think most people, myself included, thought like the major option was you go into a facility, you pay an arm and a leg. You, if your net worth is one to $2 million, you have to do a reverse mortgage to get in.

And you hopefully they give you a bottle of loop for how much, if you pay for that place and you, hopefully you maybe get a portion of that back . But if not, That’s what it is, right? Like it’s a big financial transaction. Yeah, so I think like the ones that you’re probably talking about are like here in Hawaii, we have Kaha Newi, which is considered the premier high end place.

An Arcadia. I know your listeners are from all over. So those probably won’t resonate, but yeah. Or like a Plaza is a national chain too. But that’s a little bit more mid tier, I think. So it’s, so the Plaza is assisted living, so you I think and independent. Yeah, so it’s more mid-tier and I don’t believe they have skilled nursing.

So if your needs were to exceed personal care, it would essentially kick you out. You’d have to find you’d have to go somewhere else. Whereas the CCC seeds, you can stay in place there. That’s the selling point, right? You have to, you’ve bought in, you’ve paid an arm and a leg, maybe two legs and you’re in there and now you don’t, it’s a set it and forget it in, in your mind and in theirs, yeah. Yeah. And here, there tends for the very good ones, like Kaha Newey that I mentioned, there’s a three year wait list. So who knows if you even ever get to that point? It’s our it’s like investment deals. No, you can’t get in, or like a really good club dance club I’m talking about, right?

Yeah. Make you want it more yeah. And pay more, yeah. As a. Good shopper. And I think a lot of our good consumers out there, we don’t like that. And we inherently makes the hair in the back of our neck stick up but then when you and I were talking, I was like, what did, tell me more about this agent place?

Because personally, what I’ve seen out of my family is, like the, usually the guys live a really long time and they’re usually pretty grumpy and they don’t wanna go interact with people. They’re not the most social of people. And myself included. I think when I get old, I might wanna just hang out with myself with my fancy things around me and my big house and nice view and that’s where this Asian place option comes, where you guys come in, right?

Yeah. So obviously I’m biased. But I think it’s really, for people who can afford it’s to me by far the best option in terms of. Outcomes mentally and health wise to be in a surrounding that’s familiar, especially, a lot of seniors start to have some form of dementia or Alzheimer’s, and those familiar surroundings become really important.

And it’s just a completely, you’re on your own schedule. The care we provided. I’m sure other providers also provide is very customized, very personalized. It’s very much about we’re here to serve you in your home, the way that you want to be served. You wanna eat breakfast when you wanna eat breakfast.

That’s when you’re gonna have breakfast. So you know, it’s a different it’s also, an arm in a leg, cuz we’re providing one on one care. You get a caregiver all to yourself. We have backup caregivers cuz you know, we do have to follow employment law, but the good thing is that means if your caregiver’s out sick, we still have other people available usually to come and provide the support.

But we’ve seen both. We’ve seen people who have transitioned to a facility or we’ve seen people come out of a facility and generally speaking, most people wanna stay at home if they can. A lot of these facilities are beautiful. They look like hotels. They’re very impressive from, our perspective, but there’s no place like home.

Some people have their really extra comfy chair and they have all the things that they like at home and their facilit just can’t replicate that. Yeah. And I’ll say from like a money perspective to most people, they, have a million dollar plus house they’ve probably more than exceeded the $250,500,000 home exemption on the sale of the house.

So if they sell the house now to harvest the money, If they don’t do a reverse mortgage to get into set facility, then they’re gonna be paying a boatload in taxes where it sounds really morbid. If you’ve, if mom and dad bought a house for 300 grand and now they’re sitting on $1.2 million, the $500,000, if they’re married, couple will only take you up to what I say, like 800 grand, and they’re gonna have to pay taxes on the rest.

So you have to pay taxes on 500 grand. You probably lost a hundred, couple hundred thousand bucks right there in taxes. So it makes sense from that perspective, if you’re on the fringe to just stay in place and die in the house so that you can get the step up basis. But nobody likes when I talk about money at death and stuff like that, but maybe let’s go over like the pros and cons of the care home, the way I see it, the care home you get, like the social aspect. Of it and it looks cool. It’s like a country club feel, but that in house, it, correct me if I’m wrong, but don’t you get like a dedicated person, where they’re still playing. So defense on you in the facility, aren’t they.

Yeah, for the most part we have we sometimes, if the care needs are not super high we’ve had couples care where they’re, our caregivers providing care for both husband and wife. I also have thought would be an interesting concept for people to do golden girls style where, if your parents have a really nice home with a lot of space, let’s.

Moms passed away or dad’s passed away and you need a caregiver, mom or dad wanna stay at home. Why not get a roommate who needs care and then they can split the cost of the caregiver. So there, there are ways to be creative about it. Get some rental income. Of course, if you’re a grumpy old guy who doesn’t wanna talk to people, maybe you don’t want someone in your space, so

Yeah. But if you don’t got money, you don’t got choices, right? Yeah. Yeah. So there are creative ways to stay in place. Yeah. And I guess your guys’ services might actually make sense too, for a sparring assisted living investment operator who has a house. Can’t work. The the caregiver angle just find a group like yourselves to outsource that part out.

But what as far as like Costco just generally speaking, what would like top tier care home costs on the high end and maybe low end. And then what would be that this option of the in-home caretaker costs high end, low end, so it’s in terms of the facilities.

So there are care homes, and then there are like the plazas where there are like large facilities. So care homes tend to be smaller. I don’t have the exact pricing on those, but in terms of like the Plaza or something like that it ranges the last I checked from 6,008,000 a month. And that’s for like I said, like a mid-tier versus the CRCs, the continuing care retirement communities.

Those are the ones that you were talking about, where you put down this massive chunk of money up front. And then on top of that, you’re paying the monthly fees. So for us, for PRI for home care, private duty home care, At any given point in time, it is what it is, but I can tell you that it’s been going up and up very quickly.

Yeah. That’s why people need a best, cause it’s probably gonna go up 10% every year. That’s gonna do it with yesterday. It’s like college tuition. It just, yeah. Worst. I guess college is the worst, right? Exceeds the market exceeds inflation, no matter what. So right now for us, it’s very like each company sets their pricing their own way for us.

Ours is very customized. So if it’s a range from 34 90, an hour to 44 90 an hour, generally speaking it can get more expensive, but most of our people are falling around 38, 90 an hour. But is that per month about, or, cause they’re not doing it full time. Some are. Yeah, we have some that are around the clock care.

So I haven’t done the monthly S see I’m is 2000, I think, our business owners will know that right off the top of their head. I should know this, but so 6,500 a week

What is that 20? I don’t know if I’m doing my math right here. Yeah, like 28,000 a month. So yeah, it’s it gets up there. If you’re now that’s again, that’s 24 7. So one of the beauty. The beauty of in-home care is most people aren’t starting off with 24 7. A lot of people will say, Hey, I just need six hours a day.

And then most companies will have a minimum of at least four hours or six hours. We don’t have a minimum, but we have a flat rate if it’s less than four hours, just because to get caregivers. Drive where they’re going spend the time providing the care and things like that. They need to be compensated.

So we have a flat rate for yeah. Anything less than four hours, but just comparing like the high end, right? Like you’re you need the max care 20 grand a month. That’s on par with the top, what the top facilities are charging. But then you also have to put in the fact that you put.

An arm and a leg and two legs, or like a million dollars essentially. And a million dollars. The way we teach it to folks here, it’s like there’s opportunity costs with that money. You could be growing at 10, 15%. That’s 150 grand a year, $15,000 a year. So it’s really 20 plus 15 a month. So like 35 GS a month.

When you take into account that. Most people suck at investing, so they don’t hardly make anything off of it. So I guess it’s 20, $20,000. So then it’s equivalent, but it’s all the usage of your equity I think is well, yeah, I think so. And actually, so it’s more like 28,000 a month, just wanna be honest.

And I always tell people it’s definitely a premium option. It’s a high end option that, not everyone can afford it and that’s okay. There are good options for people. Yeah, but there is also, we don’t, like you said, we don’t have the upfront investment. And then what if you go into one of those facilities and then they die a month later there is a big loss I don’t know all the, like when you can get your money back, et cetera.

But I know that there’s a kind of, they’re promising, they’re never gonna abandon you. And, but it’s like insurance. So you essentially is a pseudo life insurance place that they’re doing. And I’m sure they outsourced the third party insurance companies for that. But they don’t like, to break down like the levels of care, you don’t need to go to that high end 20 something grand a month.

There are other. Maybe talk a little bit about some of the mid tier and like the low tier place options or arrangements that you’ve seen people do in certain situations. Yeah. Like I said most people aren’t starting with 24 7 care and a lot of people don’t ever get to 24 7 care. So some people are eight hours a day, five days a week.

So someone’s there watching. There’s also, we didn’t talk about adult daycare is an option for people too. So if you’re going to work and you want mom to have a place where she’s looked after, and there’s a little bit of stimulation there, day cook daycare centers, just like you have for your little kids.

And often they’re connected. There’ll be like a preschool, right by an adult daycare center. . And so that is generally a much more affordable option. But you guys don’t set people up with that. That’s just another option. No, yeah that’s a different option, but just in terms of, so we’ve had people though who will go to adult daycare and then come home and then we provide care in the home at night.

So you can, find combinations of support or. If you only need us on the weekends or, certain days of the week, so really mixing and matching it’s much more flexible and customizable. I don’t know if you can think of some like typical client profiles, but like when would somebody do like a 5,000 a month?

How that get ’em and then maybe that mid-year I guess cause people come to you and you hear their situations, and then you’re oh, you don’t need that high end or that much time or hours, or you don’t need that. You don’t need the skilled nurse. You can just have a general caretaker, which is a lower, hourly rate.

I wanna be clear. So the skilled nursing is much more expensive, so I haven’t even given skilled nursing rates. The rate that I share is caregiver level. But we do, we have nurse oversight. We have a director of nursing and we’re joint commission accredited, which is like the accreditation that the high end hospitals get to assure that you’re following certain standards and protocols.

We are. Probably on the price, your end of the options in our industry. The hard part is that if it gets to be too little of care, then a lot of companies won’t do it because there’s such a demand for care. Not enough caregivers.

So we’re really trying to utilize the caregivers first of all, it makes sense for us, but also with the clients who really need it. And all like all businesses now are just struggling to find halfway decent people. Cause S are so high and. Nobody wants to do this type of hard work

Yeah so amazingly we have incredible people who like, they’re just phenomenal human beings and this is what they wanna do, but of course they have to make a living. We wanna make sure that we are one of the best employers they can find. And so in order to do that, we have to pay them competitively on the higher end and provide really great benefit.

Which means the clients are gonna pay for it. But that said there’s still tremendous demand. So I would say the sweet spot where most companies are looking at is at least six hours. Let’s say at least 30 hours a week, I would guess is probably. What most companies would be willing to look at right now.

Which is makes sense for a lot of people listing I guess I can go over and help mom and dad one or two days a week. , after I’ve done my job, right? No, it’s hard balancing all the things. So I think a lot of people if it’s, basic level they’re looking for, Wake up time, bedtime or lunchtime are the hot button needs, right? Hey, can you come help get mom dressed and ready for the day? Make sure she takes a shower or, eat something. Cause sometimes elderly people are, will forget to eat. Remind her to take her medications that sort of thing, or get ready for bed.

So yeah, those are definitely the high demand times those transition times and I imagine like people come to you and they may not, this is, it was a new idea for me. I imagine mostly for coming into this and a new person in our home. It’s something new for mom and dad, and then they get more comfortable with it over the time I.

Yeah, definitely. It’s your turf. I think, especially with, excuse me, Asian families, we have this built in hospitality. If you’re in my home, I have to take care of you. And so we experience this even with my own. Mother-in-law when my father-in-law passed. He had lung cancer and we got to experience this from the client perspective. And he, she was really struggling and we’re like, Hey, we have this company, we own and we’ll, provide it for free. she didn’t want it. She was like, what am I gonna feed them for lunch? And I said, you don’t have to do anything for them.

They’re here really to support you. It was really hard convincing her, like eventually we did, but she really should have accepted our help much sooner. And there are tips and tricks that we give to other families, but she’s particularly Persistent in . Yeah. In want that wouldn’t happen with us.

It’s don’t forget to pick out the takeout on your way yet. Yeah. Definitely some generational things and cultural things. But it can be really hard to just. Admit your vulnerability and that you’re at that place. Or, there’s a whole, all the psychology around it, like guilt.

Like I should be the one doing it, that, that sort of thing. And this isn’t really in your, guys’ like part of your guys’ job description, but you must see people go through this quite a bit. What is some of your general pieces advice for. Maybe somebody who is letting mom and dad do their own thing, but now you have to step in right.

And get more involved. Yeah. And we actually see a real uptick in request for care after the holidays. Cuz a lot of in Hawaii, a lot of the adult children will go to the mainland and have their career and they’ll come home and visit and then they’ll. How much things have deteriorated with their parents.

And so that’s a time where they’re really observing new needs and danger issues. Maybe moms forgetting to turn off this stove, or there may be some incontinence where they’re, having accidents and that kind of thing. So I think some things to those are things to look for.

And just be when you’re with them, just be observant, be aware. I would say when you’re in the home, really I think I shared with you earlier offline, how high of a risk falls are for elderly people. When you’re young falling is no big deal. You fall, you get up, no harm, no foul, but for a senior citizen, it can really take someone who seems really vibrant and healthy and independent and put them in a really catastrophic place.

Even, a lot of people die after a fall, once they’re over 65. So fall prevention I think is really critical, even if you’re not at the point. Needing care. Just really observing the home look for, are there trip, hazards, rugs that, or if there’s a lot of clutter, a lot of elderly people start to hoard and put boxes in the way, and you really wanna make sure that those kind of things are put away as much as possible.

Grab bars, make sure there’s good lighting. That kind of thing. So I guess another side business we can get involved in is like getting a set of contractors to like rehab these houses with the right showers or the right. And yeah, I think that’s huge. And actually to do it even before it’s even a concern it’s that’s the trend, it’s the tsunami, right?

The silver tsunami. As what they’re calling the boomers who are aging. So I think those can definitely add value to a home. Other like resources for folks that, if they’re going through this we’ll probably refer people to this episode in the future. Because I’ll probably forget about this in six months about myself.

Yeah, I think, a R P. Which I always crack up cuz I’m now I’m a member they have some good resources and then, I think Hawaii has the elderly affairs. Division, which I know sounds like the elderly dating site, but it’s not, sounds like a dating site to me. we can make that our other side business.

Yeah. But we have a lot of side businesses, entrepreneurs . And yeah, there are a lot of, I think just a lot of resources That are available to people, even if they’re not at this level where they need actual in-home care, there’s, meals, all wheels and family and friends and volunteers through other through church or other programs.

So there are a lot of resources out there. The great thing is we’re in the age of Google and can just do a quick search. And I would say that’s where, that’s where our group is pretty valuable. There are a lot of resources, but which one, what, depending on where you are in the net worth spectrum, it’s different advice for different folks.

Yeah, right? Yeah. Allison’s kind of a high roller like myself. So we like fancy restaurants and. We also like these types of elderly healthcare options, but , maybe to close things out, like if you had to plan something for yourself or your, instructions for your kids, what would you just personally like to see for yourself?

And what are their reasons, based on what you, where you’re at. Obviously you’re a little bias, but like at what point would you phase it in and, based on what you. What would you eat from your menu? What I’m hoping to do is die relatively quickly.

oh, other than that, I think we all thought to happen, like I’ll take it up to 60, 65 at peak health and then just. Just go, yeah, like maybe work. If you had to live for an extended period of time after that peak of health, what would you do if I had to live? And I, if I had the resources, I would a hundred percent use my own services because I love my house

I’ve built it in a way that feels comfortable for me. I’m relatively social, but I definitely things on my own terms. So for me, a facility dictating when I eat or people just coming in I don’t know, it just doesn’t appeal to me at all. I would absolutely, if I can afford it, use my own services.

I don’t drive public transportation, so but what do you do if you wanna go somewhere, can the caregiver take you to somewhere, take you to Safeway or Costco or you want, is that part of the we have one client who our caregiver would take her golfing. Even though her skills have diminished greatly, like that was a big part of her life and her identity.

And so she would take her golfing and And now I think they’ve moved past that, but they go in Hawaii we say Hola holo, which means just go cruise, drive all over. So her shifts are basically they drive in the client’s car. She drives all over the island. They’ll go check out the beach, pick up a lunch.

Hang out. And like I said, the care is very much personalized, customized. It’s not that you, we say age in place and home. It doesn’t mean you have to sit at home all day. You can definitely, go walk the mall or go to church if that’s what they wanna do. And then other people who don’t wanna go anywhere, we also can we help coordinate our team will help coordinate Safeway deliveries or that kind of thing.

You also get a friend too for free. Yeah. Not a free friend, but not a free friend. Nothing is free in this life. The caregivers they learn from each other. It’s really a beautiful thing. We have very interesting clients. So the caregivers can learn a lot from them and the clients love having someone interested to talk to.

Any other for people going through this, gonna shut out a whole bunch of money for, any other like last words or wisdoms from your point of view, other than good luck, you’re the bottle loop?

I’ve wrote down my lessons learned since we’ve been doing this business things I’ve observed. I’m sure your listeners followers already hear this a lot, but be grateful. Every day for every day have people in your life that you love and who love you and make sure you communicate to that to them, because we do have some very rich people who don’t have anyone.

And it’s really sad. So they’re receiving top quality care, but are the kids of those kind of people involved? Did they have just find you guys on their own or? Some of them never had kids. They had like one of ’em found us on his own. And his wife was here when that happened, but she passed.

And so he’s now alone and and not super like happy. Not close to family and the other thing is when you’re super wealthy, you don’t know who’s your true friend, right? Yeah. Cause a lot of people are coming, knocking on the door, trying to be your friend. Know who your friends are.

Be nice to them. Show them love. Be respectful to your caregivers if you ever have, ’em tell your parents, if you do get, if they get caregivers to be respectful to them. And of course not, if they’re, if the caregivers neglectful are abusive, then you would wanna report it. But we definitely have clients that are harder for us to staff because the caregivers keep refusing to go.

And really you don’t want caregivers who don’t wanna be there. Like what kind of, it’s really hard to provide care for you if you’re nasty and so as long as it’s in your control be mindful of that. Don’t be one of those rich jerks who treat people. I wonder if there’s a difference between the Medicare, Medicaid, the option, like the, some people do the, they drain their finances.

and they wanna be broke. So the government pays for their end of day care. It can be a happy place in there. Like I’m sure the caregivers are just strung out. I don’t know. I can’t speak to that. I probably should learn more. It’s not my area of expertise, but I think there are caregivers who are genuinely, whether regardless of the paved source, there are caregivers.

I think anyone who goes into being a caregiver for the most part, you don’t go into it for money. So they’re genuinely fueled by caring for others. But also they tend to have a need for validation and acknowledgement and gratitude. So when you’re caring for someone day after day, who’s just nasty and ungrateful.

Yeah. It can be really hard. Whereas there are some like really phenomenal caregivers who thrive on see that as a challenge. Let me see if I can turn this person around. Like really they’re very empathetic and can really. Really be patient and have that thick skin and build that relationship to where it’s a beautiful thing.

And that is something special but not all of ’em. Aren’t gonna be going holo, holo and driving each other around in the car. No, no lunch together. no, there’s a lot of, and some, and everything’s customized. So there are some people who really want that chatterbox caregiver to talk to.

And other people are like, don’t talk to me, I wanna pretend you’re not here. Leave me alone. I’m gonna live my life and then you come help me when I need you. And that’s okay too. And that’s where you guys come into, you start matching up personalities and a little bit of that. Yeah. So when somebody’s interested and we have care, potential caregivers available, then we’ll go out.

We call it a living room visit. So we have our client experience manager and our. Go into the home to observe the environment and look for those fall hazards that I shared earlier and really get to know the patient and the family and see where the pain points are and how we can help ease, burdens, and make, bring a little joy back into life.

Make things better. And that’s where we come up together with the family. We came up with a customized care plan. What is your budget? What, where are we gonna maximize what we’re doing for you? And then the personality matchup is the second round then yeah. So honestly right now with the shortage of caregivers, it’s do we even have anyone in the first place, but we definitely, and this is the sales thing.

yeah, no, I’m just joking. No, I wanna be fully transparent. That’s sad. Like we do guarantee compatibility. So if it’s not a good fit our client experience manager’s job and we also. An employee experience manager. So they’re checking in with the employee and the client. Hey, how did things go on your shift?

What can we do better? What changes do we need? And so we will keep looking if we need to find someone who’s a good personality match. Yeah, no it’s definitely in demand. That’s for sure. So you think about it as, this is a pretty good business you got going on here.

But yeah, yeah, thanks for jumping on the podcast. I think it applies to our Hawaii clans as well as on the mainland. I’m sure there’s options similar to this, not just going to the local high end care home, and hopefully they have lube for you again, but there’s other options out there.

Allison, you wanna get your contact information out there? If people have any questions? They can reach out. That’d be great. So if anyone has questions, the best thing to do is call our main line (808) 447-7448. Or shoot an email to Honolulu@brightstarcare.com.

All right thanks Allison for jumping on. If you guys have any questions about this we’ll probably make an info page about this type. Information at some point, nothing is coming to me, probably simplepassivecashflow.com/ elder. Something like that. I don’t know, email the team. If you guys are listening to this in the future, we’ll point you in the right direction, but definitely one of those topics that not a lot of people talk about, but it is a huge source of expenses in the future and something to plan.

If you guys heard it, it can cost upwards of 20 grand a month. And it ain’t going, getting cheaper. It’s getting 10% every single year, apparently. So something to think about folks but hopefully we didn’t make everybody be depressed by this today. we’ll see you guys next time. Bye. Thanks Lane.