Yeah, as I watch my mom and her friends get older, I can say that money isn't a replacement for having a network of people around you who love you and can help you with things like driving to doctor's appointments or mowing your lawn or figuring out how to get you better paid care.
I can also say that adult children aren't a replacement for building that network, either. They can be a big part of it, if you have them, but they aren't obligated to, and so can a lot of people you know all kinds of ways, and childless people often have a lot more opportunity to build a wide friendship network among adults of a variety of ages. And also if you hit the point of needing that kind of help while you have *child* children (or child grandchildren, or in the case of one of mom's friends child great-grands you're raising) and you don't have that wider network, wow are you out of luck.
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I can also say that adult children aren't a replacement for building that network, either. They can be a big part of it, if you have them, but they aren't obligated to, and so can a lot of people you know all kinds of ways, and childless people often have a lot more opportunity to build a wide friendship network among adults of a variety of ages. And also if you hit the point of needing that kind of help while you have *child* children (or child grandchildren, or in the case of one of mom's friends child great-grands you're raising) and you don't have that wider network, wow are you out of luck.