1-Given the increasing longevity of Americans and the costs of providing long-term care, anticipation of the costs should be a major element of every family’s financial planning. Current information suggests however, that very few families or individuals give this consideration. What factors might impede this advance planning? What measures might be effective in raising awareness among the Americans about this important matter? Age, diagnosis, and ability to perform personal self-care and the sites of care delivery vary widely. Also, the unrelenting progression of time is the one constant that expresses the diverse range of life's possibilities. According to Calmus (2013), Long-term care in the United States is in crisis. The current system is not meeting the needs of the frail elderly and disabled populations. As the 77 million baby boomers enter retirement, the Long-term care crisis will likely grow, both because of the sheer number of the baby boomers and because of medical advances that have increased longevity. Regrettably, few have prepared to pay for their Long-term care, either through insurance or savings. Policymakers need to move swiftly to reform the current system to ensure that tomorrow’s retirees have access to high quality care without bankrupting future generations. According to the article "5 Big Reasons Why Americans Don't Save Their Money," Savings aren’t just important for buffering life’s emergencies; research shows that financial assets, more than income, are a strong predictor of upward mobility. They’re also crucial later in life. In 2010, 75 percent of Americans who were approaching retirement age—many of them in the tidal wave of aging baby boomers—had less than $30,000 in their retirement accounts. According to economist Teresa Ghilarducci, about half of middle-class workers will live out their golden years on a food budget of about