Outsmarting the Cost of Long-Term Care
Outsmarting the Cost of Long-term Care is the podcast that exposes the real cost of aging and long-term care—and, more importantly, reveals hidden solutions to help seniors and their families protect their savings.
Hosted by Charisse Hurst, a seasoned Medicare, and long-term care planning expert, each episode uncovers financial strategies, Medicaid planning tips, and lesser-known resources to make extended care more affordable.
**If you’re worried about outliving your retirement savings, paying for care at home, the high cost of nursing homes, or how to qualify for Medicaid without losing everything—this podcast is for you.
**Subscribe now to learn how to plan ahead, protect your assets, and get the care you deserve—without breaking the bank!
Episodes
36 episodes
The Invisible Crisis: How Caregiving Can Wreck Your Family Before It Touches Your Finances
Charisse Hurst exposes the hidden toll caregiving takes on families — long before the money runs out. Learn how the emotional, physical, and career costs of caregiving can spiral — and what financially smart families are doing now to stay in co...
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Season 4
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Episode 3
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11:26
The $300,000 Mistake: What Families Don’t See Coming
Charisse walks you through how long-term care can quietly erase a retirement — and what proactive families are doing now to prepare. You'll hear real financial examples and a fresh way to think about protecting your retirement accounts. You...
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Season 4
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Episode 2
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14:31
What If It’s Me Next? The Cost of Ignoring Family History
In this kickoff episode, Charisse shares real stories of families financially blindsided by dementia and introduces the idea of taking action while you're still healthy. You'll learn what hybrid LTC annuities are and why they're becoming the go...
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Season 4
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Episode 1
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8:55
Your loved Ones Deserve to Be Your Care Manager-Not Your Caregiver
When care is needed and no plan is in place, someone you love will step in — not because they’re ready, but because they love you. But that often means emotional burnout, financial sacrifice, and strained relationships.In this epi...
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Season 3
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Episode 10
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10:36
Understanding Hospice Care (And Why It Doesn't Mean The End)
Hospice care isn’t just for the final days — especially for dementia. In this powerful episode, Charisse explains what hospice really means under Medicare rules, how to know when it's time, and why hospice can be a support for months — n...
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Season 3
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Episode 9
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14:45
How Home Health Aides Can Lighten Your Load
Home health aides can bring vital support to dementia families — but navigating when and how to bring in help can be confusing. This week, Charisse shares what home health aides really do, how Medicare coverage works, what questions to a...
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Season 3
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Episode 8
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16:36
Understanding Adult Daycare Programs: A Lifeline for Families
Adult daycare programs can be a powerful tool for families caring for a loved one with dementia — but many families don't know they exist. In this episode, Charisse breaks down what adult daycare really offers, how to know when it's...
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Season 3
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Episode 7
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19:14
Understanding Respite Care vs. Palliative Care: What Families Need to Know
When you're caring for someone with dementia, knowing the difference between respite care and palliative care can change everything. In this episode, Charisse explains what each service really means, how they work, what Medicare covers, ...
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Season 3
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Episode 6
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19:24
When to Ask for Help- Avoiding Caregiver Burnout Before It's Too Late
You cannot pour from an empty cup — and caregiver burnout is real. Today, Charisse shares the early warning signs of burnout, how to recognize when it’s time to ask for help, and simple ways to start building your support system without ...
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Season 3
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Episode 5
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20:42
Making Home Safer and Less Stressful for Someone with Dementia
Creating a safer, calmer home doesn’t have to be overwhelming. In this episode, we walk through simple, practical steps to reduce fall risks, ease confusion, and give your loved one a space that feels secure. Start small — even li...
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Season 3
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Episode 4
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19:39
How to Communicate When Words Start to Slip Away
Series: Staying Calm, Connected, and In Control: Dementia Care Tips That WorkWhen dementia affects language, communication becomes about more than just words — it’s about connection.Today, we’ll explore how tone, body langu...
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Season 3
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Episode 3
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13:08
Understanding the Emotional Rollercoaster of Dementia Caregiving
Series: Staying Calm, Connected, and In Control: Dementia Care Tips That WorkDementia caregiving is unlike any other experience — because you’re caring for someone who won’t get better.In this episode, we talk about the emo...
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Season 3
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Episode 2
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14:09
Understanding the 7 Stages of Dementia
Series: Staying Calm, Connected, and In Control: Dementia Care Tips That WorkCaring for someone with dementia can feel overwhelming—but understanding what to expect can make all the difference. In this first episode, Charisse Hurs...
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Season 3
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Episode 1
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8:57
Long Term Care Insurance: A Breakdown Part 1
Guys for the next few weeks we will be breaking down long term care insurance and how it works! We will talk about all of the parts in detail as well as some unknown long term care stratagies and tax advantages. I'll catch you on this weeks epi...
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Season 3
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Episode 7
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13:06
The How Pt. 2: Where Will Your Loved One Receive Care
During todays episode we will discuss how to know when it is time for a loved one to receive long-term care, and how to decide where that care should be received.
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Season 3
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Episode 6
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11:44
The How: Where Will Your Loved One Receive Care
During todays episode we will discuss how to know when it is time for a loved one to receive long-term care, and how to decide where that care should be received.
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Season 3
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Episode 5
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13:43
Where Will Your Loved One Receive Care
Today marks the month long series on where will you or your loved one receive care if long term care services are needed. We will start with the place that most people want to receive care, The HOME. We will talk about the cost, where to start,...
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Season 3
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Episode 4
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21:18
What is Long Term Care and What is the Cost
Long-Term Care. What is it? How much does it cost, and who pays for it? During our bite sized episode today, we will begin the discussion on the Long-Term Care crisis. Over the next few weeks, we will dive deep into LTC, when its needed, and st...
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Season 3
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Episode 3
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19:58
Retirement and Long Term Care Readiness (Part 2)
Over my 16 years with working with seniors, I have noticed that many are not prepared for retirement and if they need LTC. There are little things that can affect them in big ways that are never talked about, and today, we are going to explore ...
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Season 3
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Episode 2
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22:56
Retirement and Long Term Care Readiness (Part 2)
Over my 16 years with working with seniors, I have noticed that many are not prepared for retirement and if they need LTC. There are little things that can affect them in big ways that are never talked about, and today, we are going to explore ...
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Season 3
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Episode 2
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22:56
Retirement and Long Term Care Readiness
Over my 16 years with working with seniors, I have noticed that many are not prepared for retirement and if they need LTC. There are little things that can affect them in big ways that are never talked about, and today, we are going to explore ...
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Season 3
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Episode 1
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16:23
Building Conficence When Selling Medicare Plans
Today we will talk about how to overcome your fears when selling Medicare and how to build confidence.
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Season 2
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Episode 3
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18:01
Medicare Closing Tips
Today we talk about how to help clients findthe plan that is the best fit for them among the many plans that are available in their service area. We make it easy!
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Season 2
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Episode 2
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26:11
Creating a 6 Figure Medicare Business
During todays epispde, I explain how I have created a 6 figure Medicare business. I reveal some of the tips and tricks that I used and why they are so effective.
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Season 2
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Episode 1
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24:20
Understanding How Medicare Advantage Benefits REALLY Work
Over the years I have learned that most agents do not fully understand how Medicare Advantage benefits work. What that means for me is more business!! It can mean the same for you too!! Listen in as I review how some Medicare Advantage benefits...
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20:03