I need you to stop worrying about long-term care because it's not as complex as you think it is,

and I do want you to start planning for it.

So I will joke on some of my podcasts that I am the meanest financial advisor.

I promise I'm not mean.

I'm a very transparent guy because I believe you deserve transparency,

but largely this is because I don't want anyone working longer

than necessary and I don't want anyone retiring too early going, look, now I'm going to have to

sacrifice lifestyle. So I take that responsibility seriously. I'm going to be explaining to you

some statistics and what you should do. And for a lot of you,

it's you should not buy a policy. You should self-insure. And here's how much you should put away

for future long-term care, you and your family. Other times, I'll say here's what it might make

sense to get a small policy and the reason for it. Now, my mom has $800,000 of long-term care and she has slept really well

knowing there's going to be a policy there for her. And there's a piece of mind. There's a

component to that that we need to value. But at the same time, a lot of these long-term care

plans, there's a lot of lawsuits right now of these companies not paying out what they said they would.

So I want to really simplify this and my goal is 10 to 15 minutes on this and you are good to go

for life on long term care. So with that being said, I'm going to hop right in. If you don't

already know, my name is Ari Taal bleep. I'm a certified financial planner. I'm the host of this podcast, the early

retirement podcast, and I'm the vice president at Root. If you're listening on the podcast app,

I will always keep putting episodes out on Mondays. If you are watching on YouTube, you can see I've got my

Root t-shirt on here. I am the vice president here at Root, where we do comprehensive, holistic financial planning

for those who really want to make the most out of what they've worked so hard for.

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