Yes, we have planned ahead although we are very early 60's. We live in a bungalow, built on a new bathroom with walk in shower, spent a lot of money on insulation and efficient heating so that we can afford to keep warm!. Shop, bus route, pharmacist etc. It always astounds me when I see people of my age, or older, on Escape to the Country, looking for a cottage in the middle of nowhere, with acres of garden. As a point of interest, some local authorities will pay for work to be done such as installing grab rails, walk in showers, etc to enable people to live at home for as long as possible. I think they put a charge on the house to be repaid when the owner dies, moves, or goes into full time care. Gets around the problem of property rich & cash poor elderly and gets people out of hospital. I know neighbours of ours had such work done about 15 years ago, and it was a great help to them ( and their long suffering daughter) for many years. Budget cuts may have halted it now though.