Needing long-term care (LTC) is largely not something that is an unknown. This issue isn’t “if,” it’s “when.”  I was recently talking with a client about the difficulty in having instant options available when deciding to go into independent or assisted living.  LTC facilities often have waiting lists that are months or years long. When you need a unit now, options can be non-existent. And three long-term biases often keep us from acting in time to avert a crisis. In many cases people need to settle for the first unit available which may mean not getting the unit you want, in the location you want, at the price you want. A podcast that blends the nuts and bolts of financial advice with the emotions that drive making them. Rick Kahler, CFP®, CFT-I™, has helped people make better money decisions by integrating financial planning. He blends the nuts and bolts of financial advice with the emotions that drive making them and shares them on his financial therapy podcast.