The Family Decision Guide

What's inside

• The Real Cost of Staying — home modification costs plus the ongoing costs of staying, including in-home care if it's added later
• The Real Cost of Selling — what a home sale actually nets after commission, closing costs, and repairs, with a worked example
• The Full Cost Comparison — real 2026 figures for independent living, in-home care, assisted living, skilled nursing, and memory care, side by side
• Where Hospice & Palliative Care Actually Fit — the distinction most families misunderstand, including the one major cost Medicare actually covers
• The Decision Framework — a clear way to weigh cost, safety, timeline, and your parent's wishes
• The Conversation Scripts — exact wording for starting the conversation with a parent who doesn't want to have it
• The Contractor Questions — what to ask before hiring anyone, if modifications are the path forward
• The Family Meeting Guide — how to get siblings and your parent aligned instead of arguing

Who it's for

Adult children — most often daughters, the research shows — who are the ones actually researching and initiating this conversation, whether or not they're the one who'll make the final call. If you're the family member who ends up being the point person for this decision, this guide is built for you specifically.

Try the calculator first

Want to see the cost comparison in action before you buy? The free calculator uses real numbers to show you the break-even point between modifying the home and the alternative.