I am just in a 55 and older community. It's very cool, and everyone is active— most are more active than me. This is not assisted living. If I need that in the future I can move to the facility owned by this community but it is on a different campus. We have no health care here and we all have our own ranch condos. No apartment-type buildings are here. They also have memory care and skilled nursing available. You buy in before you move here. It can be anywhere from $150,000 to $300,000, depending on what size home you want and what you can afford. They ask for a financial picture of your assets but do not check if it's accurate. Many people do not include all their assets unless they need to. I saved some out to help my kids. I get social security and a pension that I use to pay my monthly fee. It takes about half of what I receive. I consider it long-term care insurance because they keep me for life now. If I run out of money, they have an endowment fund to help and also put you on Medicaid if needed. They never throw you out! My kids do not have to ever worry about me or my finances. We are like a big family here. I can move within seven years and get a partial refund, but I won't leave unless I remarry. There are a few couples here who have an age gap, such as yours. It gives them peace in knowing the one will be cared for if the other passes away.