The Gift of Planning Ahead, with guest Suzanne Scheer

In this installment of Great Big Client Conversations, Shane sits down with Suzanne Scheer, family law attorney turned long-term care insurance specialist whose passion was forged by her own journey caring for her aging parents while raising a toddler.

Suzanne pulls back the curtain on one of the most overlooked pieces of financial planning for Gen X: long-term care. She explains why Medicare and health insurance won't cover the everyday "activities of daily living" so many of us will eventually need help with, why your 40s and early 50s are the prime window to plan, and how newer hybrid policies have removed the old "use it or lose it" gamble. Most importantly, she reframes the whole conversation—this isn't a gift you give yourself, it's a gift you give your children.

Whether you're caring for aging parents now or thinking ahead to your own future, this episode will change how you think about a topic most people avoid.

In this episode:

• Suzanne's caregiving journey and why it changed her career
• What long-term care actually covers (and why Medicare doesn't)
• The real "prime age" to start planning
• How hybrid/asset-based policies work differently than old-school plans
• Why this is a gift for your family, not just yourself

Connect with Suzanne on LinkedIn (Suzanne Scheer, JD CLTC) or at sgsinsurance.net.

AND - be sure and join her at her next webinar on Tuesday, June 30th at 12 noon.  Register here: https://www.eventbrite.com/e/help-my-parent-has-an-ltci-policy-and-i-dont-understand-it-tickets-1991602306110?aff=oddtdtcreator

🎧 Listen now and share it with a fellow Gen Xer who needs to hear this.

Looking to up your social media marketing efforts? Reach out to Big Voice Social at bigvoicesocial.com 

Need help with your company's social media? Reach out at bigvoicesocial.com. 

Transcript

SPEAKER_03 0:00

I would say obsessed is probably not quite strong enough. But uh but I just I mean and I look at the numbers and I just and people don't know about it and I feel like I'm sitting on these secrets, Shane. I just I don't I don't know how else to put it. I just and I just want people to know about it. It might not be right for them, but everybody should know, okay, this is something that might happen.

SPEAKER_02 0:20

Welcome to the Social Dialogue Podcast. We're a mother-daughter team, both working in the world of social media management.

SPEAKER_00 0:28

Join us as we share our different perspectives on life today, including trends, fashion, friendships, and career, and how social media impacts it all. Together, we bring two different perspectives to one conversation. I'm Shane, and I'm Jenna.

SPEAKER_02 0:45

And we're excited to bring you this new episode of the Social Dialogue Podcast. All right, hi everybody. Welcome back to the Social Dialogue Podcast. Uh Jenna is still on a little bit of a hiatus. She has now been living, when we record this, she's been living in New York for this is her second weekend, although the first weekend she had to meet me in Boston for a family event. So this is her first weekend in New York City. So it's still just me. I hope that's okay with everyone. But we are doing our second installment of our new series, Great Big Client Conversations, where I'm sitting down with my big voice social clients and talking about their business, who they are, what they do, and how we came to work together. So today I am welcoming Suzanne Schear. Let me tell you a little bit about her. Suzanne Scheer became passionate about long-term care planning after an eight-year journey caring for her parents while raising her young son. She saw firsthand how a long-term care insurance policy eased her father's situation and how the lack of coverage burdened her mother. That experience changed the course of her career. But today, she helps families and individuals prepare with confidence. Suzanne, I'm so glad that you're here today. Thanks for having me. Thank you very much. Thanks, Shane, for having me. Absolutely. So we're gonna dig in on your specialty and your passion, long-term care insurance. And it's really, it's so funny. I tell people, like anyone I refer to you, or even like when we were sitting down with my husband, I was like, you would never know someone could be so passionate about something like long-term care insurance. But you are, and you have you have, I don't want to call them great anecdotes because they're not all happy, but they're great anecdotes that explain the reason why people in our generation, I'm Gen X, I'm 53, why this is the time. So talk to me a little bit, first talk to me a little bit about kind of who you are and what you do in general. Let's start there.

SPEAKER_03 2:36

Sure, sure. So um I was an only child and my parents were a little bit on the older side for the time when they had me. Today it wouldn't be considered older, but my mom was almost 35 and my dad was 42. So for back then that was pretty ancient. So I was always cognizant of how old they were relative to how to how old I was, and I just it always made me kind of nervous. So so I went through the caregiving journey a lot earlier than a lot of people. And you know, so when I was 33, I had a 15 my son was 15 months old, and my mom fell and broke her hip.

SPEAKER_02 3:08

And you were practicing as an attorney then, is that right?

SPEAKER_03 3:11

At that point I was part-time. I've gone part-time after my son was born, and and then it just became clear between the stuff going on with my son and the stuff going on with my parents, it just it was just too much. So I ended up stopping. I can't even remember exactly the day I stopped, but I knew I just it got to the point where it was just too much. But so anyway, so when my mom hurt, you know, got her calling breaker hip, I took over my parents' finances and then gradually was just overseeing her care for different things. And then a couple years later, my dad had a stroke, and then a few years later, end stage dementia. So it was just a lot of things. And so I went through it, you know, when they passed, I was 41. So, you know, and so it it just I went through it much younger than most people do. I mean, I see my peers now in their 50s or even older going through this. I mean, I know it's funny when I see people who are in their 60s taking care of their parents who were in their late 90s, and it's you know, my grandmother was I was like my mom's situation. Her father lived to be 96, I think it was, or 94,9 very old. So um, but anyway, so I went through it very young. And so after my parents passed away, I had to become a person again because I really wasn't a person while they were having all their health issues. And when I finally was ready to go back to work, I wanted to do I had been doing family law, but I wanted to do something different that would have some more flexibility. So I became a financial advisor and insurance was a part of that, and I was doing it, but it wasn't the big focus. But then I'd say about maybe four or so years ago, I just became really hyper focused on the long-term care insurance because I saw that people are not thinking about it, they don't want to think about it. It's of course who wants to think about it? It's not morbid. Yeah. It's not something that we want to think about. And then a lot of times financial advisors won't bring it up for lots of different reasons. It could be they're not very familiar with it, it could be they don't want to see there are some newer policies out there now where sometimes people will take a lump sum and just write one check and be done with paying for the policies. The advisors don't want that money leaving their management because they get paid based on how much they manage, or there are a lot of different reasons why advisors won't bring it up. And so there's this big blind spot that so many people have where they don't realize that this is something that they need to think about because it can have such a huge impact if if you do need care for a long time. So when I realized the the fact that it wasn't being addressed, and then the more I got to learn about the newer kinds of policies where if you don't ever need care, your loved ones get money that was put into the policy. So it's not this gamble like it used to be where you worried, oh, well, if I never need care, that money's just gone. I mean, it's so it it's kind of the combination of factors of seeing the need, learning about the products, finding finding out about the fact that with the asset-based products or hybrid, as you might hear them called, the premium, even if you pay it over time, the premiums are guaranteed level, so you know what you're paying. That all just clicked for me because I'm very much a risk-averse person. I don't like surprises, I don't want an adjustable rate mortgage, I want a fixed rate mortgage, I want to know what I'm paying. And with the traditional long-term care insurance, the premiums are not locked in and you can have increases. So when I just all these sort of things just kind of click for me. And then all of a sudden I just became, I would say, obsessed is probably not quite strong enough. But uh, but I just I mean, and I look at the numbers and I just and people don't know about it. And I feel like I'm sitting on these secrets, Shane. I just I don't I don't know how else to put it. I just and I just want people to know about it. It might not be right for them, but everybody should know, okay, this is something that might happen. You don't have insurance already that covers it, your health insurance, your Medicare won't cover it. And if this happened, what would you do? And if you want to have something in place and your health is good enough that you can get it, look and see maybe it makes sense. If I mean I was just talking with someone yesterday, I she was looking for a plan for her 78-year-old mother, and I said, I don't think it makes sense. It's too much.

SPEAKER_00 6:58

Right, isn't it right? Right.

SPEAKER_03 6:59

So I'm the first one to say, if I don't think it's a good idea, I'm not just gonna sell somebody something because I want to sell them something.

SPEAKER_02 7:05

If that's I I want it to be a good fit, but I just want people to know about it because that's well, and I imagine some of the pushback that you get when you meet with people and they say, I don't want to do this, it's I've got enough money. So talk a little bit about, I mean, for people in our generation, do we have enough money? Because it sounds like maybe we don't. And then you mentioned also Medicare doesn't cover everything. So talk a little bit about long-term care insurance, what it does cover and what it covers that Medicare doesn't cover so that people are more knowledgeable about it.

SPEAKER_03 7:37

Great question. So when we're talking about long-term care, we're talking about the kind of care that is not medical. So you don't need a doctor or a nurse to do it. It's the things that you probably did, and I probably, you know, you do every day when you get out of bed, you don't even think about it. You get out of bed, that's called transferring, you go to the bathroom, you take a shower, you get dressed, you eat, and then you maintain continence throughout the day. Those are called the activities of daily living. And if you can't do two out of six of those by yourself safely, or if you have a significant cognitive impairment and it's expected it's gonna last at least 90 days, that's by definition a long-term care event. So they call it custodial care because you don't, it's it's not something that's medical. So because it's not medical and you don't need a doctor or a nurse to help you with those things, it's not covered by your health insurance and it's not covered by Medicare. So if you needed someone had an accident, an illness, regardless of their age, and they had to pay somebody to come and help them, it's could be $40 an hour. It adds up really quickly.

SPEAKER_02 8:36

Yeah. Well, and like you said, it doesn't have to just be senior citizens. I mean, you can have a terrible car accident now and you need home care or you need some kind of inpatient, not patient, but like a like a rehab center. Does it cover a rehab center?

SPEAKER_03 8:51

It depends how it works. So if someone's on Medicare and then they're in the hospital for at least three days, then they do have a short-term amount of coverage to Medicare. But someone under 65, not on Medicare, wouldn't have anything for that. Or if it goes on beyond that point, you wouldn't have. So there are a lot of scenarios where these different things can happen and you wouldn't be covered. And so the idea of long-term care insurance is that it's a dedicated source of funds that's there for you if you need something. So you can you don't have to sell, you know, mutual funds or stocks on a day when the market's down, or you don't have to take from your retirement account and have a big tax hit. You know, the idea that you know, okay, well, I've got some money here that's separate, that's not gonna, it's like I've I view your portfolio almost like a Jenga game. And if you need to take something out, it can really disrupt everything. But I guess I should say Tetris to make it more 80s, right? For anyone who's right old enough to remember. But so I I think I sort of answered your question, but that was a long time.

SPEAKER_02 9:47

Yeah, yeah, you did. I swear every time we talk, I learned something new. I th there's always some other thing that I forgot to ask you. So now I'm a little bit more clear on that. At what age, what's sort of like the prime age that people should be looking at investing in long-term care insurance?

SPEAKER_03 10:03

Is there is. I mean, people should start learning about it in their 40s. I would say if somebody knows, you know, let's say someone has a family history, they had a relative, you know, parent who had dementia and needed care for a very long time, and they're worried about a genetic predisposition of something like that. Or if if there are other things going on where they're worried about their health, then getting it early is good, you know, you could start at 40 potentially. For the average person, I would say learn about it in your 40s and try to put it in place early 50s to mid-50s at the latest. With these hybrid plans, you lock in a premium when you get the policy. So, and the younger you are, the less expensive it is. So there's a huge benefit to getting it as young as possible because you'll pay in the left the least amount of money. And the whole point of these policies is that you're transferring the risk to the insurance company of something catastrophic happening. So you're putting in X dollars and then that money, if you need care, it's multiplied, could be by five, five times, ten times, depending on your age and your policy and how you structure it. But you uh the idea is to, you know, put something in place. Well, you have to be healthy in order to be able to get it, first of all. But um, the younger you are, the least expense less expensive it'll be. So if you think of it that way, that you know, you're maximizing your chances of qualifying and you're spending the least amount of money, if you're able to do it, which not everybody can, and another big thing is if you have assets to protect. If somebody's in a scenario where they're paycheck to paycheck, they don't have an emergency fund, they don't have anything in savings, they're barely paying their bills, then this is not appropriate because you don't have the money to put aside. But if you've got somebody who does have an emergency fund and they have their funding their retirement accounts and they're fortunate enough to have extra money available, whether it's from an inheritance, whether it's from savings, whether it's from a bonus, all different kinds of things could come up. But if you have money that you're looking to protect, then that's really what we're talking about, especially with the asset-based plans. It's literally repositioning assets, putting on these features and benefits and making it more beneficial and more efficient to them. Right. So for the folks who do have a high net worth, a lot of times they'll say, Well, you had asked this before, a lot of times people will say, Well, I have enough money, I can just self-fund. And and a lot of times it's true, you can afford it, but you're paying full price as opposed to essentially getting a discount, because if you put in a dollar for every dollar you put in, you get, let's say, eight dollars of care tax-free. You know, in order to come up with that same amount of money by investing it, first of all, it would take a long time for it to grow to the point, the same point as it would with a policy. And then also, you know, you don't have guarantees if you're investing the money. So someone will just say, Well, I'm just gonna take this money and invest it. Well, it could take you 30 years to get to a pool of, I don't know, let's say the numbers are kind of irrelevant, but the point is when you have a long-term care policy, day one, you have this big bucket of money available for care that would take you 20 years to accumulate if you were to invest the money gradually.

SPEAKER_02 13:09

Many of the plans that you look at, if you pass away and you never needed it, then the money goes to the estate, correct? Right.

SPEAKER_01 13:16

Yes. Yeah.

SPEAKER_02 13:17

So it's it goes back to the family, should should you never need the policy, which is quite a benefit.

SPEAKER_03 13:22

Right. And that really depends on the exact numbers. Sometimes it's more than what you put in, sometimes it's less, depending how you structure it.

unknown 13:28

Right.

SPEAKER_03 13:29

Or even if you only use a little bit of that insurance part of it. Right. You can still have whatever, like let's say you know, only use half of the insurance part of the policy, then whatever's left can go as a, you know. So you don't feel that you've wasted money. And when you get your policy, you know exactly what's going to happen at the different points in time. Right. So they're not again, I don't like surprises when this comes to these things.

SPEAKER_02 13:52

Well, and I can share something personal with our family. We had my mother-in-law and father-in-law's policy. We had the booklets on them. We didn't know what they said. They're very long. So I sent them to you and you reviewed it and sent back. It was like maybe a page, page and a half of like bullet points of what was in there, and then some questions from my mother-in-law to ask. And what we found out, she called the insurance company and asked all the questions you told her to ask. And we found out that she had paid a premium after her husband had passed. She's due back that money, and the insurance company says we owe you this money back. Would they have ever realized that? I don't know. But she asked the question and now she's getting a check in the mail. So, hey, that's great.

SPEAKER_01 14:32

So huge win.

SPEAKER_02 14:35

Thanks for that awesome service, Suzanne. So here's what I'm here's what I'm hearing. I'm hearing two major themes here. One is if you're like me and you watched Video Kill the Radio Star and MTV when it first launched, you're probably at the point you should be talking about this if you haven't. Yeah. And the other thing I'll say that I've learned from you through all of our conversations is that this is truly a gift that we give our children. It's not so much a gift we give ourselves. Yeah, I mean, it is because we'll be needing care at some point. And, you know, but it's it takes the stress off of them. And then, you know, if let's say I'm not with it and I need help, then my then my children have to like dig in and figure out my finances and pay for them. What kind of care can I afford? This is a gift we give them for the future. So I know that we're in discussions. We haven't made decisions yet, but we're in discussions with you. And um, I think it's I'm so glad that I I feel comfortable having all of these very, I mean, they're personal conversations, but I feel comfortable doing that because I think you're you're looking at what's best for our family. And, you know, how can you not appreciate that?

SPEAKER_03 15:39

Well, thank you. I take that very, very seriously. I mean, I, you know, my whole career, I mean, when I was first working, I did family law. So I was dealing with people going through divorce, dealing with very personal, very emotional.

SPEAKER_02 15:50

Just and you've had such an uplifting set of clients.

SPEAKER_03 15:53

I know, right? Well, but I know, all seriousness. I mean, I, you know, in between the time of after my parents passed away before I went back to work, I just I didn't feel good because I wasn't helping anybody. Right. I just feel like I get filled up by helping people and knowing that I could do something to make them better. I mean, I remember one time doing family law, there was a client and she literally, like you could see her, you know, she just looked beaten down during the divorce. And then after everything was resolved, she came into the office for some signing papers or something, and she literally was sitting up straight and to know that I had a part in that.

SPEAKER_02 16:27

Yeah. Right. That's great. That's so great.

SPEAKER_03 16:30

She feels so good. Or or when somebody gets declined for one insurance policy, and then I can get them, you know. I've had that happen recently. I just got one the other day where someone had been declined before and I found them something that works. Like it just I that fills me up so much.

SPEAKER_02 16:43

Yeah, I love that. I love that you have work that makes you feel that way. So you've been doing this now for quite a while. You've been in this in this business. And so we met, how long ago did we meet? Sometime within the last year? Yes. Through the forum. So until before you met me, like, how were you marketing yourself before?

SPEAKER_03 17:01

So I was attempting to do graphics with social media, but not very well. Okay. I wasn't as consistent as I would have liked to have been. Okay. And uh so I didn't feel that it was cohesive or I just felt like it was just haphazard, and I just, you know, I would share articles or I would I would post things or I comment on other people's posts or reposts, but I didn't have a plan. I didn't have anyone helping me, you know, it was just trying on my own to do it and sort of muddling along. And and so when I learned about you and and got to know you through the forum, and I realized that I could have someone on my side who would be able to, you know, learn my my crazy language and lingo and all the different things and and be able to partner with me and and put out the beautiful graphics and and be consistent and well credit credit to Lindsay.

SPEAKER_02 17:54

She's our graphic design artist. She does an amazing job with those. And I think she has a really good time making them. So I'm glad she has that outlet. So that's great. That's great. Yeah. And then I know in the past month or so, you know, one of the things that we've learned is we're basically taking the messaging that you're giving us and then creating a voice and creating a plan and what is the messaging we're putting on on social. But I know that you're working to hone that. So you've actually partnered with another vendor who we don't know. They're working with you directly on really fine-tuning that messaging. And that is gonna benefit, it's gonna benefit the work we do when she's sort of giving you, giving you an audit, a report, recommendations. But it's also gonna benefit you like when you go on podcasts or if you write a blog post or you know, you might write an article for a newsletter or something, then you've got consistent messaging and all of that kind of works together. It's it's brilliant what this woman is doing. I don't know her, but um, it's a great uh, it's a great tool that she is putting into place because she is really fine-tuning as somebody who understands the financial industry, the messaging that we should be using that really works to hook people, to get people to click through. All of this is part of what we do from social to marketing to, you know, all of it. So I think it's great that you sort of see the the importance of having different people with different specialties that are all helping you to create your brand because you know you know what you do and you know how to sell it, but or well, you know what to do and you need some coaching and help on selling it. And so bringing in other people who can give you that kind of guidance, it's really a smart business move. So I think it's it's awesome. I'm excited to see what she what she thought.

SPEAKER_03 19:36

Thank you. And I'm so glad that you're receptive to it and and willing to collaborate.

SPEAKER_02 19:41

Yeah, we love collaborating. It's like our favorite thing. Anytime we we start working with a client and they're like, well, we have a web team, we have a PR person, we have a paid social, you know, that's the best way to do this because we're in such, you know, one slice of the marketing mix, what doing social media, but the other pieces play into it. And so when we have other vendors who specialize in what they do and we can all work toward the good of the client, then that's when it happens, you know, and you can really see outcomes and you can, you know, we work with a lot of our clients, especially our local clients. We work with a PR team and a web developer. We're all kind of on these same teams together. And we can, you know, track traffic. We can say we put out this post and it had to do with this media hit that the PR team got. We can see where it lands it on the website. Did it get them into the lead funnel? You know, it all kind of works together. So uh yeah, it's our favorite thing. We love we love teamwork, it's our favorite thing.

SPEAKER_03 20:36

And you have such a great team.

SPEAKER_02 20:39

Well, thank you. I do, I do. And I know you've done some coaching with Candace as far as video goes, and then you're working with another local person on some video stuff. So we're excited that we're gonna have some video of Suzanne to roll out here soon, which is gonna be awesome. And because there's nothing better than that face to camera when you're talking to your community right in the eyes, it's great. So we're excited for that.

SPEAKER_03 21:01

Yeah, me too.

SPEAKER_02 21:02

Yeah, yeah. So, Suzanne, what's coming up in the business? Anything else that you are doing to get your name out there? Or are we just kind of working with the video and the messaging and social for now? And and I know you've got blog posts, you've got another blog post. We're gonna get published sometime next week. Right. Anything else uh coming down the pipe?

SPEAKER_03 21:21

Well, I've been I usually do a webinar every month, just an educational webinar. So I'm owe I owe you the dates for the rest of the year, and I want to coordinate that just to get information out because that's my biggest thing is I just it sounds really, really hokey, but it's as if a force got into my body and said, Okay, you over there just minding your own business. It's up to you to teach everybody about long term care insurance. You've got to let them know that this is something, this is a thing, because some people don't even know it exists, and you've got to tell them about it, and you've got to teach them about it and make it understandable and make it so that they can just evaluate it and figure out if it makes sense or if. Their parent has a policy helping them through it because that's a scary thing when you got something's documented and you don't know what it means. I mean, I look at them every day. If somebody never looks at it, they're really how are you supposed to understand it? And right. So anyhow, so no, so just trying to teach people about it is really the biggest thing. And and uh I don't know, I don't know.

SPEAKER_02 22:19

It's just yeah, so you've got the webinar, so we'll announce new dates for the webinars coming up. Everybody's welcome to those. You also have a book club.

SPEAKER_03 22:27

Right. I was just gonna say, yeah, I'm I'm blessed to partner with Gillian Bernstein, who is who gets credit for connecting me with Deer Founder Forum. So I always am grateful to her for that. And she's a past guest of the show as well. Yes, she is an incredible HR proponent and loves helping people and connecting connecting people. Uh we always bring in a female founder to elevate to talk about a book that impacted them. So July 15th, we'll be having Jill Beck, another person from the Deer Founder Forum, who's incredible. We're gonna be talking about a book called Brewing Up a Business. And so that'll be a Zoom book club. And the best part about our book club is that you don't have to read the book to attend.

SPEAKER_02 23:04

As I know firsthand, well, I hope to make it on July 15th because I would love to be there with Jill because I I work with Jill as well, and I uh she's just fantastic. So yes, I'm excited. It's gonna be great.

SPEAKER_03 23:15

We never said it was just for women, but it's just sort of evolved into a women business owners business book club, and it's um we have the networking at the end, and it's I have to shout out last month we had my good friend Joy live in. Uh we did the book Unreasonable Hospitality, which if anyone hasn't read, it is phenomenal. It's a really I did the audio and I was very upset when it was over because it was so good. I was really like serious, no joke. I mean, sometimes I don't know, I just I I would argue dogs having fun.

SPEAKER_02 23:45

Yeah, she's she's rolling around over there.

SPEAKER_03 23:47

Okay. But anyway, so if anyone hasn't read that book, I would highly recommend it because it's just a really enjoyable listen. Awesome. But that's been so much fun. And then Jillian and I also have started doing a little like in-person networking group and we did a vision board workshop last time, and it's I just feel so supported by there's just so many incredible women entrepreneurs I know and have become friends with and collaborate with on different projects, and I never had I just never could imagine that this part of my life I would have figured out what I'm supposed to do and be able to do it and then be so passionate about it and to love it and to never want to stop. And you know, I wish I had started sooner, so I feel like I have to make up for the lost time. Yeah. And and just to be so supported by I mean, just the other Lindsay Pinchak who's found at the Dear Founder Forum. If you're not checking her out, you need to check out her incredible work. But absolutely the way she just has created this incredible forum for women who are like-minded and you know, 40 plus to be able to come together and help each other, support each other. And I just feel so loved by everybody and and then the support, it just it makes it such a joy.

SPEAKER_02 25:00

Absolutely. I feel the same way.

SPEAKER_03 25:02

To be able to do things and and whenever you know we can lift each other up, it's just I don't know. I I just I I never thought in this point in my life it would be it would be like this, and people think about oh, getting older is terrible and this and that, but it's just it's really an exciting time. Absolutely, I agree. To be 50. I won't say how old exactly, but to be honest.

SPEAKER_02 25:21

So, Suzanne, tell everyone if they want to connect with you and find out about webinars or connect with you and make a you know an appointment to speak with you. What are the best ways to do so?

SPEAKER_03 25:30

Sure. Um I'm on LinkedIn, Suzanne shared J D C L T C or my website is SGSinsurance.net, and I'm more than happy to set up a chat. I I'm sort of a night owl, so I don't mind talking in the evening or on a weekend. I tend to work pretty much all the time, so I'm pretty flexible with that. And I if I have a day that goes by where I can't tell someone about long-term care insurance, I get kind of itchy.

SPEAKER_02 25:53

So I love that. That's a great way to go out. This was an awesome conversation, Suzanne. Thank you so much. You make long-term care insurance not sound like this like boring have to do. You make it like, oh, I would like to learn more about that from this woman because she loves it. So thank you. Thank you for bringing it into the world and letting people know how important it is and how necessary it is. And um, yeah, we'd love everybody to connect with us on social. We work with Suzanne on her Facebook page and our LinkedIn. And um, she does a lot of the writing herself. We just collaborate with her. So um, yeah, so check us out and engage with us.

SPEAKER_03 26:30

Well, thank you so much, not only for having me today, but for all the good work you're doing to help me. And whenever people say, Oh, I'm seeing you on LinkedIn a lot or love your posts, it's just it makes me feel really happy. So I'm very grateful.

SPEAKER_02 26:44

Well, thank you. And everybody out there who's a Gen Xer, listen and share. Send it on to somebody who needs to know because Suzanne's Suzanne's your person. So thanks, Suzanne. Have a great rest of your day. Thank you, Shane. Thanks for joining us on the Social Dialogue Podcast. If you like today's conversation, be sure to leave us a five star rating and a review and share it with a friend.

SPEAKER_00 27:08

Keep the dialogue going with us on social. Find us on Instagram, TikTok, Facebook, and YouTube. I'm Shane, and I'm Jenna. Thanks for listening.