Francey, I'd do the same thing. I don't have children to take care of me in my old age. The sad truth is that many elderly parents can't count on their children to do the right thing anyway. I think the best thing is to make plans for a situation when you may need some assistance. A nice climate and exotic location far removed from your children would be a wonderful idea.

A lot of folks have relocated to affordable retirement communities in Central American countries and have access to excellent health care and in-home staff. Then there's the added bonus of living with other elderly Americans as neighbors, so it doesn't feel too foreign. Also, it's short flight back to the U.S. from say Panama or Cost Rica.

Also, look into providing for a worthy charity in your estate. Sounds like your children don't deserve much consideration in your will anyway.