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I think she was a General Practitioner. Big house, you might call it a mansion. She spent lavishly on expensive food, clothes, electronics.

At the end of the month, she would gather up clothing and sometimes appliances or electronics and return them to the store so she had cash to pay her bills.

Every month.

This is who people were trusting their long-term healthcare with. A woman with a PhD on a salary who couldn't plan her finances 30 days out.

I think she was a General Practitioner. Big house, you might call it a mansion. She spent lavishly on expensive food, clothes, electronics. At the end of the month, she would gather up clothing and sometimes appliances or electronics and return them to the store so she had cash to pay her bills. Every month. This is who people were trusting their long-term healthcare with. A woman with a PhD on a salary who couldn't plan her finances 30 days out.

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I think this is what you call "house rich." Some individuals with very good incomes but no savings and lots of credit card debt buy large mansions, taking out mortgages for them since they have nothing saved, and the mortgage payments are so big, they find they can't buy furniture to put into their houses. So if you go to visit them, all the rooms are nearly empty, and they are usually sleeping on a mattress on the floor. It is surprisingly common. I'm talking about highly paid professional people here, with university degrees.