Now where should you keep these documents?
*Fireproof safe or file
*Safe deposit box (keep an updated document on what’s in there)

Money and death make bad bedfellows, and can create enemies among previously loving family members. Do your family a favor, make your intentions clear—and save your family from themselves.

Stay with exercise both physical and mental. I can’t promise you’ll be as strong and as sharp as you were in your 30’s but working your physical and mental muscles will certainly slow down physical and mental decline. Physical exercise should be stimulating to your bones, increase your heart rate mild to moderately. Mental exercises can consist of crossword puzzles, mazes, sudoku and putting together a puzzle.

I highly recommend investing in an elder law attorney as each state has specific laws and the laws can change through the years. Currently in NYS is voting on some changes such as removing the 5 year look back, allowing Medicaid to cover nursing home care no matter how much money you have the bank or in retirement. If these changes get voted in, they will be implemented in 2023.

Giving is often a common occurrence of the folks in the Silver years. As little kids our first example is typically grandpa and grandma. Id like to dive into it because it’s a place near and dear to my heart. It was part of my “WHY” behind persevering to become debt free. There is sacrificial giving when you give and it produced some pain doing so and then there’s giving because you have abundance. Giving out of abundance is great fun. To provide others with means that otherwise they might not be able to experience or have something is a blessing. All giving helps us from taking on greed and walking in selfishness. I like to remind myself I’m just a manager of the provision God have me so what and how I go about spending money looks different. I seek to do a good job with what is in front of me, this helps the strong emotional connection we can get with money.

You’ll hear about giving whether you have a faith in God or not. For example, if you refer to the bible, it will tell you to give 10% of your income in what’s called tithe. Tithe means tenth.
Malachi 3:10 “Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the LORD of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it.”
Or found here in Leviticus 27:30 (TLB) says, “A tenth of the produce of the land, whether grain or fruit, is the Lord’s, and is holy.” And Proverbs 3:9 (NIV) says, “Honor the Lord with your wealth, with the first fruits of all your crops.

A nonbeliever who acts in giving benefits as it falls under the law of reciprocity which according to Webster’s dictionary the quality or state of being reciprocal: mutual dependence, action, or influence.

Some of us were born to give but no matter how you slice or dice it, giving is wonderful, and selfless. There are so many benefits. If you are a giver, you know exactly what I’m talking about. It’s for others but it’s amazing what happens to you in doing so. I personally encourage all to try it.

I end this chapter with another verse from the oldest book in history, Proverbs 19:8 The one who gets wisdom loves life; the one who cherishes understanding will soon prosper.
The book of Proverbs in the Bible is on wisdom. If you are hungry for more take some time and feed your soul by reading the whole book of Proverbs.

Here is the bottom line, apply the knowledge you’ve been given because the cost of doing nothing is high. Our purpose of writing this book was to lean over, reach our hand out and help those who want to be helped. Will you receive it?