 Well, unless you purchased a long-term care insurance plan some time ago, then you might be a little too late in life to be looking at paying high premiums for the minimal amount that you'll be able to get out of that policy with what time you have left. So a lot of people have to take more of a self-insured route. Nothing wrong with that, as long as we're planning for it in the right way. For example, if you've got your IRA...