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  • The Great Income Gap

Real Estate Analogy

$100,000 decision saved $2 million

3 Reasons for Unlimited

🎯 Why It’s Worth Watching: 

Riddle:  The stock market can't do what I can do.....rental real estate can't either.


What am I?

Watch this video to learn more.

3 Reasons for Unlimited

$100,000 decision saved $2 million

3 Reasons for Unlimited

🎯 Why It’s Worth Watching: 

 If you’re married, female, or healthy, limited long-term care benefits may leave you with more risk than you realize. See why lifetime coverage can sometimes cost only a little more... and provide significantly more protection. 

$100,000 decision saved $2 million

$100,000 decision saved $2 million

$100,000 decision saved $2 million

🎯 Why It’s Worth Watching: 

Because the true cost of long-term care isn’t just the bill - it’s the compounding impact it has on everything you’ve built. In just a few minutes, you’ll see how one decision can mean the difference between preserving millions… or quietly losing them. 

Don't pay retail price

Lifetime, guaranteed income.

$100,000 decision saved $2 million

🎯 Why It’s Worth Watching: 

Many people are advised to pay out of pocket for care.  Why?  You wouldn't drop health insurance to pay for an illness or accident just because you "have plenty of money"...why do it for care?

Lifetime, guaranteed income.

Lifetime, guaranteed income.

Lifetime, guaranteed income.

🎯 Why It’s Worth Watching: 

If the gold standard for retirement is guaranteed lifetime income...then what is it for care income? 

You CAN buy time!

Lifetime, guaranteed income.

Lifetime, guaranteed income.

🎯 Why It’s Worth Watching: 

Time is the most valuable thing in the world. Would you invest in financial strategies to buy time for those that you love? With effective income planning, you can secure your future!

You're healthy?

"The Math" vs "The Feel"

"The Math" vs "The Feel"

🎯 Why It’s Worth Watching: 

Maybe healthy means longevity, much like how effective financial strategies can help you secure your future. Look at action star Bruce Willis; life throws curve balls, and having a solid income planning approach can make all the difference.

"The Math" vs "The Feel"

"The Math" vs "The Feel"

"The Math" vs "The Feel"

🎯 Why It’s Worth Watching: 

Understanding how lifetime care income plays a crucial role in effective income planning is essential. Sometimes, focusing solely on the rate of return isn't what is needed to secure your future.

Hey Gen X! Thoughts?

"The Math" vs "The Feel"

Hey Gen X! Thoughts?

🎯 Why It’s Worth Watching: 

Gen X is the sandwich generation, navigating unique financial strategies. Have you considered how to parent-proof your retirement? Remember, you're never too young to plan your income planning and secure your future.

Podcast Appearances

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

🎯 Why It’s Worth Watching: 

Mary Jo and I spoke for 3 hours and this is the first segment.  We talked about everything care planning!   Long-term care isn’t just a health problem—
it’s a financial liquidation problem. 

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

🎯 Why It’s Worth Watching: 

 Michelle joins Mary Jo Irmen on Farming Without the Bank to expose the long-term care costs that catch most farm and ranch families off guard. She walks through how to plan ahead so a health crisis doesn't end up draining the operation you've spent a lifetime building. 

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

🎯 Why It’s Worth Watching: 

 Michelle sits down with Mary Jo Irmen on Farming Without the Bank to reveal the long-term care blind spots most financial advisors never bring up. She explains why that gap matters for farm and ranch families, and what to ask for instead. 

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

Farming Without the Bank (Mary Jo Irmen)

🎯 Why It’s Worth Watching: 

 Michelle joins Mary Jo Irmen to discuss one of the most overlooked threats to a farm’s legacy: an unplanned long-term care event. They break down how today’s care planning strategies can help protect farm assets, create tax-efficient income for care, and keep the farm where it belongs—in the family. 

Working Cows Podcast

Farming Without the Bank (Mary Jo Irmen)

Banking with Life - James Neathery

🎯 Why It’s Worth Watching: 

  Your ranch survived droughts, bad markets, and bad years, but one long-term care event could take it in a way none of those ever could. Michelle joins the Working Cows Podcast to show ranching families exactly how to protect the land and legacy they've spent a lifetime building, before a health crisis makes that decision for them. 

Banking with Life - James Neathery

Farming Without the Bank (Mary Jo Irmen)

Banking with Life - James Neathery

🎯 Why It’s Worth Watching: 

 Michelle joins James Neathery on the Banking With Life Podcast to break down what long-term care actually costs — and why most people are blindsided by it. In this Part 1 of the conversation, she pulls back the curtain on the financial risks families overlook until it's too late. 

Banking with Life - James Neathery

Banking with Life - James Neathery

Banking with Life - James Neathery

🎯 Why It’s Worth Watching: 

 Michelle returns to the Banking With Life Podcast with James Neathery for Part 2 of their conversation on the true cost of long-term care. She digs deeper into the strategies families can use to protect their assets before a care event turns into a financial crisis. 

News Reports

Alzheimer's Association - 2025 Facts and Figures

2015:  Aging in America -CBS Sunday

There are currently about 40 million Americans over the age of 65, and those over 80 are the fastest-growing segment of our population. Rita Braver reports on a group of seniors who have banded together and found a way to make their golden years not just affordable, but truly "golden." 

"Dying Broke"

This powerful segment shares stories of older adults driven into financial ruin by long-term care costs. It emphasizes the middle-class squeeze and how families often exhaust life savings or sell assets to pay for care 

Care Income Planning

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