Planning for Retirement When You’ll Never Have an Empty Nest

For many parents, retirement planning includes the idea of an empty nest. But what if that’s never going to be your reality? Today, Phil answers a viewer question about how to plan for retirement while continuing to care for an adult child on the autism spectrum. It’s a question more families are facing, and in this episode, we’re walking through the financial and emotional factors that come with a “forever caregiving” retirement. From budgets to housing needs, your retirement roadmap may look entirely different, but it can still be achievable with the right strategies.

Here’s some of what we discuss in this episode:

🏡 Why downsizing may not be an option in this kind of retirement

📋 What to consider when building a caregiving budget

⚖️ The role of government benefits like SSDI, SSI, and DAC

📜 Special needs trusts: when and how they fit in

💡 Creative strategies to protect care, assets, and dignity

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