You, Too, Will Grow Old! (So Plan Ahead and Start with This Video)

Photo by Nikoline Arns

As we navigate adulthood, the questions surrounding future security, especially regarding health and housing, become increasingly relevant. In this dialogue, Carly Ebenstein, a specialist in long-term care insurance, sits down with her friend and client Cynthia Cumins, a seasoned real estate agent in San Francisco. Together, they explore the intersection of long-term care planning and real estate — two critical yet often overlooked components of aging with confidence and autonomy.

Long-term care insurance is a topic that many people delay thinking about until it's too late. Carly opens the conversation by addressing common assumptions and misunderstandings about this form of coverage, particularly among younger adults who may not yet see its relevance. Cynthia reflects on her own earlier misconceptions, like believing she could never afford it or wouldn’t need it, and highlights how common these beliefs are among her real estate clients who are just beginning to build their lives and assets.

Throughout the discussion, Carly and Cynthia emphasize the importance of early planning and having the right team of advisors — including financial planners and trusted real estate professionals — to support long-term wellbeing. By tying together real estate decisions with the realities of aging, their conversation offers valuable insights for anyone who wants to approach the future proactively, rather than reactively.

Click here to watch the video.