text:  more common than when you're you know in your youth but um not a lot of people know kind of how to budget for something like that so it can catch people off guard right and then another thing of course um you know we talk about this a lot long-term care the u.s department of health and human services say that close to 70 of today's 65 year olds are going to need some type of long-term care for an average of about three years so tell us what you're experiencing with retirees