Kate Ashford

And I third that.

Sure, Sean.

So first, I would really want to point people toward the Genworth and CareScout cost of care survey.

It's something they put out every year.

It's got numbers for all sorts of care from home health aides to assisted living, nursing homes, adult daycare.

And you can dig in by state, which is really helpful because, as you mentioned, data really is different depending on where you live.

And it can also be different by locality.

I mean, New York City, very different from upstate New York.

But this will give you a general sense, and it's a good starting point.

And then once you're looking into your local prices, please know that there are different fees for different room types.

So what is this person's father-in-law hoping to have for a living situation?

A single room, a shared room?

Some places have apartments, even two-bedroom apartments if it's going to be a shared living space.

There's memory care.

And then, of course, there's a base rate versus an all-in cost at most of these facilities.

A base rate might include things like meals or light housekeeping, social activities, transportation to doctor's appointments.

But then there are probably add-ons like help with activities of daily living, like getting dressed, higher level care tiers as someone's needs increase.

There generally is extra money for things like memory care.

And then each year there's probably an annual increase in these prices.

Just like anything else, your rent goes up, rent goes up in these places as well.