I am a retired public school music teacher,  looking forward to my remaining years living on a  teacher’s pension and social security.  In addition I am the daughter of two parents who have/are suffering from dementia.  My father is deceased after four years of swift degeneration and my mother, who I am the legal guardian of, is entering her 14th year of nursing care in a Community Based Residential facility in Wisconsin.

My parents were not educated enough to shelter their money or home and I have watched their life savings go for their care.  It is my hope in hosting this website that I will save some of my readers the same financial future in terms of their estate planning, as well as share my money making ideas for many other aspects of a frugal but rich life.