Look into long-term care insurance
Long-term care can be very costly — which is why insurance for it is costly, too. The earlier you buy it, the less it will cost, so give it some thought. Less wealthy folks probably can’t afford it and wealthy folks might just pay for care on their own if it’s needed, so middle income people are the ones who have the toughest decision. See how much it would cost you and if it seems worthwhile.