Mailbag: Can an Inheritance Replace Long-Term Care Insurance?

TaylorMade Retirement with Taylor Demars, CFP® · Jan 22, 2026 · 10m

Is it smart to skip long-term care insurance if you expect a future inheritance? In this episode, a listener’s mailbag question sparks a conversation about the risks of planning around money that isn’t guaranteed. The discussion explores why inheritances are unpredictable, how parents’ own care needs can change the outcome, and why uncertainty makes assumptions dangerous. You’ll hear practical insights on scenario planning, self-insurance considerations, and the importance of building a retirement strategy that doesn’t rely on “maybe” money.

Here’s what we discuss in today’s show:

🐘 Why…