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Is your home ready as you age?
S1 E6 · 24 Feb 2026
Is your home ready as you age? How a senior home coach can help you plan
Hosted by Ishanya Anthapur, Zemplee’s Product Manager
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Introduction
What does it really mean to plan for aging — and why does waiting too long cost so much more than just money? In this episode, we sit down with Robin McCoy, a Dallas-based senior home coach and realtor with over 18 years of experience helping older adults and their families navigate one of life's biggest transitions. From home modifications and ADUs to reverse mortgages and house hacking, Robin shares practical strategies and honest advice for aging with dignity, independence, and intention.
Guest: Robin McCoy, Senior Home Coach, Texas
Robin McCoy is a Dallas-based Senior Home Coach and realtor with over 18 years of experience helping older adults and their families navigate housing transitions, aging in place, and creative financial strategies for later in life. She is the founder of Relax, I Got This, a coaching brand and podcast dedicated to empowering adults over 60 to plan intentionally for their next chapter.
- Relax, I Got This - Realty Services
- Podcast: Relax, I Got This – Embracing Life After 60 (YouTube | Apple Podcasts )
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Clips
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Listening Guide
01:50 — Robin explains what a senior home coach is and how it differs from a traditional real estate agent.
04:28 — Robin discusses why planning ahead matters and why no one wants to have conversations about aging.
07:53 — The difference between a caregiving "creep" and a caregiving "crisis" and why preparation is key.
09:20 — Robin shares practical home modifications to make a home safer for aging in place, beyond just grab bars.
13:23 — The pros and cons of ADUs as a housing solution for aging adults and their families.
16:46 — Robin introduces the concept of intentional senior living communities, like the all-women tiny home community in South Texas.
17:57 — The serious impact of social isolation on seniors and why community and connection are critical to health.
24:26 — How to manage the emotional and logistical challenge of downsizing and letting go of decades of possessions.
29:41 — Robin breaks down house hacking strategies including ADUs and reverse mortgages as financial tools for older homeowners
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Links, videos, articles, and books mentioned in this episode
- The Longevity Blueprint by Dr. Karina Loyo — a comprehensive guide on planning for your aging years covering everything you need to know.
- Decluttering at the Speed of Life by Dana K. White — a practical guide on how to let go of excess possessions, helpful for anyone looking to downsize.
- The Invisible Patient: The Emotional, Financial, and Physical Toll on Family Caregivers: How to Plan Ahead and Save Time, Money, and Stress by Annalee Kruger, a case manager and gerontologist who specializes in long-term aging planning.
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Stay in touch!
- Interested in remote monitoring for yourself or someone you know? Contact us.
- Do you work in home care? Zemplee can support your caregivers and offer a new profit center for your business. Learn more.
- Subscribe to AI Remote Caregiving on YouTube.
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Show transcript
Ishanya Anthapur (00:10.22)
Welcome, welcome, welcome to AI powered caregiving, a podcast where we're sharing real stories, hard decisions, quiet and loud moments that define the caregiving experience today. I'm Ashanya Anthapur, your host from Zempley, where we're using AI powered remote monitoring to transform homes, to help caregivers stay one step ahead and help older adults stay in their homes longer. We turn everyday data into earlier insights.
stronger connections and more dignified aging. Today on this podcast, we're diving into how the choices we make about our homes, staying put, selling, or even rethinking our space can impact our finances, our independence, and how connected we feel as we're aging. I'm really excited to introduce our guest today, who is a senior home coach and a realtor based in the Dallas, Fort Worth area.
With over 18 years of experience helping older adults and their families plan for the next chapter of their lives, our guest today has helped people navigate housing transitions, aging in place, and even how to have creative financial strategies for later in life. She's the founder of her own brand, Relax, I Got This, where she coaches seniors through everything from planning home sales to income generating house hacking tips. Robin.
Our guest also hosts the Relax I Got This Embracing Life After 60 podcast, where she blends her know-how with intentional living advice on all things on life after 60. Welcome, Robin.
Robin McCoy (01:50.945)
Thank you so much for having me. really excited to be here.
Ishanya Anthapur (01:54.068)
We're really happy to have you too. I think this is going to be a very interesting conversation just because you're such an innovator in your space.
Robin McCoy (01:58.862)
You
Robin McCoy (02:03.063)
Well, thank you. love talking about it. can talk about this stuff all day long. So you may have to cut me off occasionally.
Ishanya Anthapur (02:10.734)
I'll just say bless your heart.
Robin McCoy (02:14.924)
Hahaha!
That's funny, that's funny.
Ishanya Anthapur (02:20.728)
Let's dive right in. My first question is, so you describe yourself as both a realtor and a senior home coach. For a lot of us, it's our first time hearing that term. Can you explain a little bit about what is a senior home coach and how is itdifferent from traditional real estate agents?
Robin McCoy (02:42.177)
Well, I'm glad you asked that question because it is very, different. A senior home coach is a person and it's a relatively new term, right? It was a, it's basically an organization that was started by a woman in Wichita, Kansas, who has been focusing on working with seniors for the past almost seven, eight years now, right? And her name is Catherine Ambrose. And
We are a group of individuals, real estate agents, occupational therapists. We've got some senior placement people, just people in that industry that have basically answered a call to serve seniors at a much higher level. Okay. So that's kind of the, the crux of what a senior home coach is from the real estate perspective. It's not just, me sell your house. You're a senior. Let's get you moved into.
assisted living and let me sell your house for you. That's not what it is at all. We want people to be in their homes as long as they choose to be there and can be there safely. And as a home, a senior home coach, we have the resources and we know the people that can help them do that. Or if they don't want to stay in this big house, because it's 4500 square feet.
and all the bedrooms are upstairs and it's too much house for them and they don't want that anymore, we can help guide them to their next home. Is it a single story, single family? Is it a condo? Is it independent living? But helping to coach them along that way and what are the best ways for them to make whatever those changes and adjustments might be for them.
Ishanya Anthapur (04:28.372)
So you mentioned that the senior home as a senior home coach, it's not your purpose, role or goal to get people moved out of their house and into assisted living, right?
Robin McCoy (04:42.497)
You know, and that's one of the things when they hear I'm a realtor, right? I've been doing that since 2008. And they believe that I am the last thing they need, right? you're a realtor. I'm not ready to sell the house. You're the last thing I need. When in fact, I am probably the first thing they need. Because again, we can talk about is your house functional for you as you age?
Ishanya Anthapur (04:53.388)
Hmm, interesting.
Robin McCoy (05:10.669)
I mean, none of us are getting any younger, right? And so maybe your house is great for you now, but what's it gonna be in five years, 10 years? So let's look at that and make that plan and do what we need to do now so that if it is your choice to stay in that home, then that's what we do, but we need to make sure that that home is safe for you.
Ishanya Anthapur (05:14.253)
Yeah.
Ishanya Anthapur (05:34.818)
Yeah, that it's a choice they thought about. It's not like their default. And they thought about maybe the modifications that need to go in to keep them in their current home. What's your, in your experience, is it the fact that most people need to start thinking about these things earlier than they do?
Robin McCoy (05:37.697)
Yes.
Robin McCoy (05:57.058)
Well, because we don't want to talk about it. We don't want to talk about it. We don't want to talk about if something bad happens. We don't want to talk about, we don't want to lose our independence and our autonomy. Kids don't want to talk about it. They don't want mom selling the house they grew up in. Mom doesn't want to sell the house because she promised the kids that they would.
always have the family, I mean, there's a lot of family dynamics and emotions and all these things that go into it. And so nobody wants to talk about it. And then what happens, and I've seen this on more than one occasion, something tragic happens. Somebody falls, a fall can change everything. Now, and everybody falls, I fall, you fall, we trip over things.
Ishanya Anthapur (06:22.708)
Yeah.
Ishanya Anthapur (06:37.87)
You mean like a, okay, like a fall.
Robin McCoy (06:47.649)
But at 75 or 80, it's much more traumatic to the body than it is at 60, 50, 40, 30. It's just more traumatic and it can change the whole course of the rest of your life. So if we talk about it and we plan, we plan ahead and we put things in place so that you can make choices while you can still make the choice and things aren't done in urgency.
Ishanya Anthapur (07:13.484)
Yeah, we, we, talk a little bit about like there's, in terms of caregiving, there's two pathways. There's the creep where it slowly sets on you that you're becoming a caregiver and that, there's a crisis where one thing happens, maybe it's a fall and all of a sudden you need a new home or you need to completely switch up your living situation. And I think the goal of what we're doing at Dumpley, sounds like with what you're doing.
Robin McCoy (07:36.877)
Yeah.
Ishanya Anthapur (07:42.574)
And what everyone in aging services is to really make sure that these crises happen less or when they do that, we're a little bit more prepared. It's not out of the blue.
Robin McCoy (07:53.122)
Yeah, exactly. Exactly. mean, mean, cause, cause things are going to happen, right? And we can't predict the future. You can't predict that you're going to trip over that rug. If you've got a throw rug, you can probably predict somebody'sgoing to trip over it, but you know, you can trip over your shoelaces, right? But we can't predict if somebody's going to get sick. We can't predict if you're going to have a stroke. We can't predict if you're going to fall down or you're going to slip on the sidewalk.
Ishanya Anthapur (08:07.327)
Yeah
Robin McCoy (08:21.735)
or those things cannot be predicted, right? They're just gonna, they just could happen. However, if we can anticipate that these things might happen and get rid of the throw rugs in the house and get rid of the tub and make it a walk-in shower and put some grab bars. If we can anticipate that these things might happen, then that makes it safer for you in the home in the long run so that that trip over the
the throw rug doesn't happen. And now everybody's in crisis.
Ishanya Anthapur (08:54.243)
right?
Ishanya Anthapur (08:57.656)
think you mentioned grab bars. That's probably one of the first things someone thinks about when they're thinking, how do I adjust my home for when I'm getting older? Are there any other cool things you've seen or that you look for in houses for older adults beyond grab bars?
Robin McCoy (09:20.183)
So if you're looking in someone's home, like their current home, or maybe they do want to move into something, it's still a single family, not assisted living, any of those. They just want to move down to a one-story home, for example. I always recommend new construction for those, if they can, in the area, because they're newer, less maintenance, and they tend to have more suitable.
layouts, right? They're more open, they've got smooth thresholds, the transitions between one room and another are smooth, so that if somebody needed a walker in the future or something, it's less likely to be a trip hazard. They tend to have walk-in showers in the primary bathrooms. They tend not to have steps going up to the front door or out to the garage, you know, so there's some of those things in some of those homes that are now being built that way. Doorways are wider for
Ishanya Anthapur (09:45.645)
Mm.
Robin McCoy (10:15.019)
you know, as, you know, for, again, a walker or something like that. Or a wheelchair, if that becomes necessary. So, you know, that's, if somebody is moving into that kind of a situation, that's always a recommendation because then they don't have to make those modifications. Now, if they're going to stay in their own home, then it may be, you know, certain things that we need to look at. Do we need to widen some doorways?
Ishanya Anthapur (10:19.98)
Yeah, or a wheelchair, I'm assuming.
Robin McCoy (10:42.269)
or do we need to just have somebody come in and smooth out those transitions? Those are such a trip hazard. Those little strips of wood that go between the living room and the bedroom that really don't need to be there. And so now you can have a smooth threshold. it just makes it safer for the long term.
Ishanya Anthapur (10:53.418)
Mmm.
Ishanya Anthapur (11:01.39)
Yeah, I'm always so curious about that. you think architects are thinking or how some designers, how builders are even thinking about some of these aspects about how to make the house really inhabitable over the long term?
Robin McCoy (11:17.409)
I don't think they're thinking about it as much as they need to. I don't think they're thinking about it as much as they need to. think, you know, the statistic is by 2035, so 10 years from now, nine years from now, there will be more people over the age of 65 than under the age of 18 for the first time in American recorded history. That is a, it's huge. It may be the world.
Ishanya Anthapur (11:20.194)
Hahaha
Ishanya Anthapur (11:40.398)
yeah, think it's the world. The world might be, yeah.
Robin McCoy (11:47.54)
It's such a high number. We're living longer and people are waiting longer to have children if having children at all. And now we're living 10 or 20 years longer than we used to. So now people are needing housing longer than they neededto. And the cost of senior living,
has gotten very, very high and it becomes, and it's cost prohibitive for a lot of people and their money is in their house. So it's a whole conversation about that. And when you ask about architects and builders and those sorts of things, I think they're starting to realize that they need to be building more single-family homes, more kind of patio homes in some neighbor, you know, in some of their developments so that grandma and grandpa can come live next to.
Ishanya Anthapur (12:20.493)
Mm.
Robin McCoy (12:41.899)
the kids where the grandkids are and they can be safe and still be nearby.
Ishanya Anthapur (12:47.374)
Totally, yeah. you think, so I know in California where I'm filming from, where I've been living the past few years, there was a lot of back and forth over the concept of like ADUs and having ADUs in the back of the property and things like that. What's your opinion on ADUs? Are they a good solution to getting older and still wanting to live in a house? you.
get an ADU for your aging parents and they can live there or you can live there.
Robin McCoy (13:23.053)
I think it's a brilliant idea. I think it's great because it keeps people close. keeps, you know, and it depends on the relationship, right? It depends on the people and the individuals because there's no one solution for every single, you know, situation out there. However, if it is a viable solution, I think it's great. I think it's great. And
Ishanya Anthapur (13:38.623)
Yeah
Robin McCoy (13:50.168)
The problem with that is, is now a lot of people live in HOAs and other types of neighborhoods, and sometimes that's against the rules. So again, it comes back to not just builders, but what about HOA policies and things like that, that as we go into this new way of living for everybody, we may have to start rethinking how we
Ishanya Anthapur (14:01.678)
Hmm.
Robin McCoy (14:19.809)
thought things were the right way to do things.
Ishanya Anthapur (14:22.894)
Truly, truly. And do think that HOA policy comes from, is it an aesthetic thing or is it more like they don't want overpopulation in that neighborhood?
Robin McCoy (14:32.887)
I think it's a little bit of a lot of things. think a lot of it is aesthetic because they, you know, they want the one tree in the front yard and the fence to look like this and that, although most ADUs are in the backyard and you couldn't see them anyway. Also, I think a lot of them fear people are going to Airbnb something like that, that it's not just, you know, for grandma and grandpa to live back there. Right. And so there, think there's some concern over
Ishanya Anthapur (14:46.051)
Yeah.
Ishanya Anthapur (14:57.314)
Right, that makes sense, yeah.
Robin McCoy (15:02.709)
because they are getting, know, the whole Airbnb thing has gotten very regulated, I guess, or forbidden in some cities and things like that. So there's, I think there's a lot to it. However, I also think some rethinking needs to be done on some of these policies.
Ishanya Anthapur (15:10.775)
Yeah.
Ishanya Anthapur (15:21.046)
I would agree. policy, the builders, like we talked about, everything's got to catch up to the sort of the incoming influx of older adults. mean, it's already happening. We're already seeing it happen, right? And it's just going to escalate over the next few years.
Robin McCoy (15:39.11)
It is. It's here. It's here. So we can't talk about, you know, when it comes because it's here. So we are playing catch up.
Ishanya Anthapur (15:41.304)
bit.
Ishanya Anthapur (15:46.286)
The silver wave. Yeah, the silver wave. What about tiny homes? Have you ever thought about, like, do you have to know much about the tiny home trend?
Robin McCoy (15:58.476)
You know, I don't know a ton about it. one of the things, know, typically those, think size wise, they're great. If you're talking about for older adults, unfortunately, most of them have stairs going up, right? They're mostly a two story and they'llhave steps up the front and things like that. because they've got to go up on wheels and, or they've got to be mobile. Right. And so, so I think sometimes that may not work. Now, I don't know if you've heard about this,
And I can't think of what it's called. I think it's called like the bird's nest. It's in it's in South Texas or Southwest Texas. And these women created this. It's like the Golden Girls. But it's all women and they have tiny homes and they just and it'sfor older older women that don't have somebody to kind of they watch out for each other is basically what they do. They keep an eye on each other. It's a community. And and I think it's brilliant.
Ishanya Anthapur (16:51.651)
I love you.
Ishanya Anthapur (16:59.872)
I agree. think that would be, that's the ideal aging situation for me, right? Me and your friends. And women live longer than men too. So that's, it's going to happen that there'll be just a bunch of older women living and why not band together and take care of each other and have a laugh or two.
Robin McCoy (17:05.779)
Mm-hmm.
Robin McCoy (17:11.445)
Yeah. Yeah.
Robin McCoy (17:20.821)
Yeah, they take care of each other. They, you know, keep an eye out for each other. And it's just because the other thing about, about seniors is often they get isolated and isolation is one of the leading causes of illness and dementias in our senior population because they're just not interacting with people. And so, that isolation,
is very detrimental to their overall health and well-being, physical and mental, emotional.
Ishanya Anthapur (17:57.366)
Yeah, I mean, that's something that we think a lot about too at Zempley. Mental health just can really like exacerbate any of the chronic conditions you're already facing. And a lot of people will be losing their spouses, right? And so you kind of have to go from relying on your spouse who you've gotten so close to ideally after a couple years, after 30 years and start to open up back to friends and things like that.
Robin McCoy (18:21.025)
Hahaha!
Robin McCoy (18:27.189)
Yeah, it's tough.
Ishanya Anthapur (18:27.566)
But I think it is tough with these living communities, like the one you mentioned, Bird's Nest, which I'm going to look up after this. But I know, like I've read some things about international people, people in China, like doing something similar and having a great result and experience because of that.
Robin McCoy (18:46.861)
Yeah. When you even see where in some countries where college students get free room and board and they live in the senior living communities and they just have to volunteer a few hours a week, you know, socializing with the residents that live there or play, you know, they play music for them. There's some music students that they come and they play music for them. And they so.
So everybody gets the benefit of that, right? The seniors get that attention and that interaction from a younger generation. And that younger generation gets the experience of these older adults. And I think that is brilliant.
Ishanya Anthapur (19:21.42)
Yeah.
Ishanya Anthapur (19:31.81)
I do love that idea. That's a great idea.
Robin McCoy (19:33.325)
Isn't that a great idea? I think it's great.
Ishanya Anthapur (19:36.078)
Have you ever had the experience where someone wants to just move into their own home? Like they want to stay alone. And have you ever had to sort of coach them out of that and be like, listen, it's good to have some social interactionand you know, can you, is there way you can be close to them? Yeah, yeah.
Robin McCoy (19:56.064)
with my own mother, my own mother, she became very isolated. She will always say, well, I've never been much of a joiner, you know, not much of a joiner. And so she retired and she was by herself a lot. mean, my sister and I go visit her and go to her apartment. And, but she never spoke to anybody else but us. She never saw anybody else, especially after the COVID, after the pandemic.
Ishanya Anthapur (20:05.495)
Yeah
Ishanya Anthapur (20:20.345)
wow, yeah.
Robin McCoy (20:25.237)
Because we made sure she stayed home during that because she was in her eighties. I didn't want her out running around. And, you know, so she became very isolated and, and it, and like you said before, there's things that, that, that creep, right. Where things just kind of. And so if you see it all the time, you don't see, if you're in it, you don't necessarily see it. Right. And then, and then there's a.
Ishanya Anthapur (20:29.803)
Yeah.
Ishanya Anthapur (20:36.014)
Mmm.
Ishanya Anthapur (20:47.917)
Right.
Robin McCoy (20:50.879)
a catastrophe or something, what was so slowly coming that you didn't see it happens and it feels like it happened right then. And it's really been coming up for a while. And when we had to move my mom because of a lot of medical, you know, some, some mobility issues and we had to move her into a care home.
You could just tell the difference in her just because there were other people walking around, right? There were other people in the house. There were people coming in, just the caregivers bringing her her lunch and talking to her and those sorts of things. You could see a difference just in her wellbeing and all of that because she was getting that, even that limited kind of interaction made a difference.
Ishanya Anthapur (21:18.346)
Okay.
Ishanya Anthapur (21:35.726)
Yeah. Just a couple of things here and there every day. Yeah. Yeah. It's, they, they talk about vibes, right? Like you just need the vibes of other people around and, you, you and your dog. Yeah. And like the, your children, the children can only do so much, right? Like you also have your own lives and it's, it becomes tough.
Robin McCoy (21:39.903)
Mm-hmm. Yeah.
Robin McCoy (21:47.841)
Well, we're humans. That's what we are. We're humans and we're pack animals.
Robin McCoy (22:00.845)
Well, you've got work, you've got your own kids, you've got your own things, and it's very, and with that comes all the guilt of not being able to be there every day, every minute. there's a, as a caregiver, it's, and there's different levels of caregiving too, right? There's the people that move mom in and take care of her 24 hours a day in their home.
Ishanya Anthapur (22:11.028)
Yes.
Robin McCoy (22:26.689)
There are caregiving where, like my mom, she's in a residential care home about 30 minutes from my house. There's people that are in assisted living. There's people that have in-home care come in. So there's all sorts of levels. And again, just like I was talking about the ADUs, everything is different for everybody and everybody's situation and financial situation and capabilities and all of this. So there's no room for anybody to feel guilty.
Ishanya Anthapur (22:38.957)
right.
Robin McCoy (22:57.431)
Just everybody do the best you can.
Ishanya Anthapur (22:57.474)
love that. I love that. I agree. I think the guilt can set in and obviously like as women, as caregivers, as mothers, we have a lot of the guilt and always feel like we need to be doing more. there is really, I think the intention and the compassion behind it is really the key here. doesn't matter how much you're doing. If you can just do a little bit.
a day or a little bit a week, that's really appreciated by anybody, even if they're not always saying so.
Robin McCoy (23:34.37)
Yeah. Well, and even like for me with my mom, it's, it's, I'm managing, you know, I have a sister, my sister's involved as well. I don't want to make it sound like it's just me sitting here. we, we laugh. I call my sister the CFO of mom. She handles the financial stuff and I'm operations. You know, I handle, you know, where is she going? Is this and doctors and these appointments, you know, whatever that looks like. So I'm operations. My sister is the CFO and between the two of us.
Ishanya Anthapur (23:43.145)
Hahaha
Ishanya Anthapur (23:51.598)
Nice, nice.
Robin McCoy (24:04.097)
Mom's taking care of.
Ishanya Anthapur (24:05.57)
That's awesome. And she's like the, she's the company.
Robin McCoy (24:10.667)
Yeah, she's, you know what? She is our, that's the focus. That's the company, CFO and operations of mom.
Ishanya Anthapur (24:15.8)
That's amazing.
Did you have to think about what to do with your mom's house when you had to move her out and everything?
Robin McCoy (24:26.445)
Well, she was in an apartment, so in that situation, but at the same time, my mother, she had a two-bedroom apartment. She'd been there for well over 10 years. She'd been in her place before 20. I mean, and so my mother had stuff, right? That was unnecessary. know, she had an ice chest. Oh my God, we gave away so much stuff.
Ishanya Anthapur (24:44.269)
Yeah, yeah.
yeah, what do you do?
Robin McCoy (24:51.627)
We gave away so much stuff and I tried to sell some of it, you know, and then that's hard. And she just had so much stuff and we donated so much. And this is a two bedroom apartment. So now there are people that have been living in the same house for 40 years. And you want to talk about, and I'm not talking about a hoarder house. That's not what I'm talking about. I'm just talking about people that have 40 or 50 years worth of possessions.
Ishanya Anthapur (25:19.086)
Yeah, yeah
Robin McCoy (25:21.409)
Whether it's clothes or knickknacks or the drawings that their kid made in kindergarten.
Ishanya Anthapur (25:26.83)
Or, you know, they have a VCR player, they have a DVD player, like all the old technology.
Robin McCoy (25:31.093)
VCR, yeah, yeah. Or all the kids' stuff is still up in their bedroom. Their cheerleading trophies are still up there. And they need to come get those, by the way. If your stuff is still in your mom's house and you are over the age of 30, go get it. Go get it. Get it out of your mom's house. It's not free storage.
Ishanya Anthapur (25:38.99)
Yeah
Ishanya Anthapur (25:42.914)
Yeah!
Ishanya Anthapur (25:53.504)
It's no longer sentimental at that point.
Robin McCoy (25:56.67)
If you want it, if it's sentimental to you, go get it and put it in your house.
Ishanya Anthapur (26:00.882)
Yeah. Yeah. So you had to figure that out. I'm sure as a senior coach, do you kind of help people with like, okay, this is where you can give away all these stuff and like, this is what you could do.
Robin McCoy (26:09.803)
Yeah. Well, and so there's a lot of different ways to do this, right? You know, and that's what some of what I do. So I have a webinar that I do every month. It's just a free webinar. I call it the gentle transition. And it's to help yourself because you want to be gentle with yourself or it's helping your aging loved ones, maybe your parents or grandparents or somebody like that, help them getting to start letting go of the things. Right.
Ishanya Anthapur (26:39.118)
Mmm.
Robin McCoy (26:39.531)
that just getting rid of so that they can, because even if they're going to stay in the same house, that stuff needs to get out of there for safety. They're reaching up to grab dishes off the top. In the top cabinet, they're trying to get things off the refrigerator, top of the refrigerator. This stuff can fall there, you know, and it can fall on them or they're getting step ladders to reach things. And that's just not safe. It's just not safe. And so
Ishanya Anthapur (26:45.528)
Yeah, yeah.
Ishanya Anthapur (27:04.898)
Yeah, and that's gonna change, yeah.
Robin McCoy (27:09.459)
It's the webinar is just about an hour long that just kind of talks about the the emotions and how to handle getting rid of this, you know, this thing, this this, you know, I had I had somebody on the webinar. He has been retired from teaching for 30 years and he still has the stuff, his teaching paraphernalia. And after the webinar and I and I mentioned teachers and he said, Robin.
Ishanya Anthapur (27:33.742)
Bye guys.
Robin McCoy (27:37.803)
I've been retired for 30 years and I'm going to go get rid of that stuff.
Ishanya Anthapur (27:41.518)
Wow.
Robin McCoy (27:42.934)
because we hang on to things. We just do, we just do. And your generation may not hang on to them as much as like my generation and my mom's generation, but I think your generation is probably a little less in that tendency, but it's out there.
Ishanya Anthapur (27:45.646)
I mean, eat.
Even I feel like-
Ishanya Anthapur (27:55.064)
haha
Ishanya Anthapur (28:01.646)
don't know, Robin. mean, we do have these, like, sheen and all these places where it's so easy to buy things now. All our babooboos and things like that.
Robin McCoy (28:08.023)
That's true. That's true.
Robin McCoy (28:13.677)
And I'm at the point now, like I told a friend of mine this morning, said, I don't know that I want to have, don't buy me gifts. Let's go have experiences. Let's go to lunch. Let's go to dinner. Let's go for a walk. I don't, don't bring me things because I don't want anything else in my house. I love you. And I love the thought behind it, but actually you're, you're aging parents and your grandparents really just want to spend time with you.
Ishanya Anthapur (28:31.874)
Yeah.
Robin McCoy (28:42.241)
They don't need another thing. They just want some time with you.
Ishanya Anthapur (28:42.464)
Yeah.
That's a great, I was gonna, that is a really great point. Like when you mentioned the experiences, I kind of thought like, isn't that just the perfect thing you could offer your aging parent, your aging grandparent? Just let's go, you know, have a walk, get a ice cream.
Robin McCoy (29:01.473)
Can I take you to the Arboretum? Can I take you to the art museum? Can I take you to a movie? Can I take you to brunch? Can I take you to the park? Can I spend time with you? They would love that far more than that knickknack that you're buying. Yeah, they really would.
Ishanya Anthapur (29:17.432)
Here's a book. Yeah, that's great advice. my goodness. You've talked about in your on your websites and in your webinars and your podcast, you kind of talk about this idea of house hacking. Do you want to explain a little bit about what that is? What are some creative strategies for older homeowners?
Robin McCoy (29:41.966)
Well, there's a lot of different things, right? So you talked about ADUs, right? So what if you put that in the back and you moved into it and then rented your house, right? You don't need 4,500 square feet or 2,500 two-story house and all of that, but somebody does. So what if you moved into the small ADU that you built that's maybe, you know, I've got a friend that built one for her father-in-law, his father.
Ishanya Anthapur (30:02.286)
I see.
Robin McCoy (30:12.021)
And he lived to be like close to a hundred and it's a two bedroom kitchen bath. mean, the whole thing is back there. It's probably about 900 square feet. And, and so he lived there for a lot of years. So what if you moved into something like that and now you rent your house?
Ishanya Anthapur (30:30.88)
I see. Okay, so that's a great strategy, right? Yeah, because you also don't want to live in a two story house as you're getting older, I would imagine just going up and down all the time and just get
Robin McCoy (30:32.053)
Right? That's a great strategy. Yeah.
Robin McCoy (30:42.743)
I am 62 years old and I don't go upstairs in my house very often. There's nothing up there really that I need. My bedrooms downstairs, you know, but imagine, I mean, I had another friend who was in her, I she's in her early eighties, but she had this house she's had for a long time. It had a lot of stuff in it. Bedrooms and bathrooms were upstairs, both of them. She didn't have a shower downstairs and she didn't have a bedroom downstairs. And her back was so bad.
Ishanya Anthapur (30:49.358)
Everything's okay. Yeah.
Ishanya Anthapur (31:07.113)
Robin McCoy (31:12.651)
she couldn't get up the stairs. And that's very dangerous, right? So we finally, her kids, and finally convinced her, let's move over to independent living. she wanted, know, and parents want their kids to have the house. And sometimes that'sa good idea and sometimes it's not a good idea. It really depends on the situation, right? Can you, that house, that gonna afford, can that help you afford your independent living, your assisted living? Or how does that, what does that look like?
Ishanya Anthapur (31:15.537)
no. So how did she?
Ishanya Anthapur (31:41.23)
Hmm.
Robin McCoy (31:42.252)
Right? So it's every situation is going to be different. But, you know, as far as that goes, you know, like I said, living, you're talking about house hacking. the, the ADU and living in, in, know, kind of just swapping that, you know, there's, there's financial things that you can do, reverse mortgages, which used to have a terrible, terrible reputation because they weren't regulated very well a number of years ago. And now they are very regulated.
Ishanya Anthapur (31:56.184)
Yeah.
Robin McCoy (32:11.987)
It's a government loan. You have to go through a lot of stuff, you know, so that because people were preying on seniors in the past. And so there's a big negative connotation about it. But now it's so highly regulated. It's an FHA loan, just like a forward loan. But it allows a senior to not have a house payment.
Ishanya Anthapur (32:21.998)
Robin McCoy (32:38.293)
or mortgage payment and you can use a reverse on the house you own or you can buy a house with a reverse mortgage. So now you sell this house. So now you sell the big house and you go buy the smaller house and you do it with reverse mortgage. So now you're not spending all of your money that you got from the first house to buy, like I just want to pay cash.
Ishanya Anthapur (32:43.65)
Okay.
Ishanya Anthapur (32:47.47)
So if you need to move into a new place
Robin McCoy (33:04.791)
Well, now you've taken $300,000 of your $500,000 and now you only have 200. What if you were able to do a reverse mortgage? Now you don't have a house payment and you've still got $500,000. Okay. And so people and people, and you're still on title. People think my kids are, I want to leave the house to my kids, all that. It's just like a regular loan. At what point the
Ishanya Anthapur (33:11.406)
Mm-hmm.
Ishanya Anthapur (33:19.95)
I see.
Robin McCoy (33:32.62)
that the point in time that you are no longer living in the home, whether you pass away or you move to assisted living or you just decide to go rent a condo or whatever, that you're no longer living there, then that's when the loan comes due. You can sell the house, your kids could buy the house, or you can walk away. If you pass away and that house is not, and it's a non-recourse loan. So if for some reason you owe more than the house is worth,
You don't pay the difference when you sell the house and you can just walk away. So there's, there's a lot of things that are out there that people don't understand and just asking, asking the right questions and understanding things so that you can see all your options. A lot of people feel like they don't have options.
Ishanya Anthapur (34:04.802)
Great, yeah.
Ishanya Anthapur (34:22.348)
Yeah, what is, do you have any resources that have either been helpful for you and your journey with your aging parents or just in your personal journey that you can recommend? I know obviously you have your website and we want people to reach out to you since you're probably the best resource. there any like books or websites that you've come across that are also really good for people, older adults trying to find a home or?
Robin McCoy (34:40.63)
Ha ha ha!
Ishanya Anthapur (34:51.319)
home strategies.
Robin McCoy (34:51.735)
Books especially, my podcast has had a lot of authors on it. And I have a, just a little thing I call Robin's and recommendations. And I always put those books on there. So now you're gonna make me come up with the titles. The Longevity Blueprint is one, and it's almost, and it's a friend of mine, her name is Dr. Karina Loyo, and it's called The Longevity Blueprint. And it is basically a textbook on everything you need to do to plan.
for your aging years. mean, everything, everything. And it's great. And she's writing a follow-up book right now. Let's see, Decluttering at the Speed of Life by Dana K. White. How to Get Rid of the Stuff. And that's not just for seniors, that'sfor everybody that knows that they're...
Ishanya Anthapur (35:38.388)
Yes, I heard about one too.
Robin McCoy (35:46.158)
that they've got too much stuff and it needs, you you don't need a bigger house, you just need less stuff. So that's a good one. Dr. Keith Ludwig, he used to be a, what do you call him? Not a secret agent, but a special agent. He wasn't a secret agent, but he was a special agent and dealing with cyber crimes with the FBI. And he retired and became a private investigator and people started coming to him about their...
Ishanya Anthapur (36:02.84)
Yeah
Robin McCoy (36:15.735)
their loved ones getting scammed out of money. The senior ripoff scams that were stealing money from our seniors. And he wrote a book that's on that list as well. Like the thing is called Don't Scam Me. So many resources, so many different, and I'll make sure you guys have that so people can have the link to that as well so that they can get that list.
Ishanya Anthapur (36:18.318)
you
Ishanya Anthapur (36:41.854)
Yeah, we will include a list of the recommendations, Robin's recommendations in our show notes. That's perfect. That's, that's great. Okay. if you could wave a magic wand and change one thing or anything about aging in this country, what would it be and why?
Robin McCoy (36:48.951)
Great.
Robin McCoy (37:05.547)
I think it would be talk, conversations, talk about it, make plans, understand that none of us are getting out of here alive, right? None of us, right? It's just a matter of when and how, and how are you going to age, right? What is that gonnalook like for you? And having conversations with your kids, with your partners, with your spouses, with trusted friends, with, and if,
Ishanya Anthapur (37:32.526)
Mm.
Robin McCoy (37:33.772)
And if you feel like you don't have anybody, then get an elder attorney, but make sure that your wishes are known because here's like the worst scenario. And I heard it from my friend, her name is Sam Craddock and she owns a huge, a very large home health company. You can find her on YouTube. She's brilliant. She's funny. She, but she, she's a gerontologist and talks about aging and all of these things.
And just imagine if you fell or you had dementia or you had a stroke and you couldn't communicate anymore. Right? So now I can't tell you things. And you're bringing me oatmeal every day. And I hate oatmeal. But you don't know that and I can't tell you that. And now you just think I'm being difficult because I'm not eating the oatmeal. But I hate
Oatmeal.
Ishanya Anthapur (38:33.523)
Yeah, so much lost, like so much lost in the translation.
Robin McCoy (38:35.243)
Right? It's so much. Yeah, and we don't know. And so that's why I say plan. Make sure everybody knows what your wishes are. And a plan can change. That's the other thing. Just because you say, want it this way today, doesn't mean you can't change the plan five, 10 years from now.
Ishanya Anthapur (38:49.07)
Hmm.
Ishanya Anthapur (38:55.566)
I think that's the key too, right? Like aging is such a, well, it obviously looks different for everybody, but there are so many stages. Like we even talked with someone recently and they were saying like, I'm young old, there's young old and there's old old. And there's going to be a huge difference. It's not like when you plan for something, okay, I'm 75, this is what I want. It's going to be totally different by the time you're even 80 or 85 or 90. And if that timeline obviously is different.
based on all your conditions and how you're aging. But I do love this idea that the plan can change. everybody should be on board, the kids, the sandwich generation people, and the older adults. They all need to be on board with this sort of concept of change. But what if people would come to you and say, this is awkward. Like I have never practiced being so forthright with my...
kids before or advocating for what I need. It's really a learned skill to be able to say, okay, this is what I need. I need help with XYZ and it's something I didn't need help with before. Do you have any advice for people who are feeling awkward about it?
Robin McCoy (40:10.157)
Well, there's two things. There are people out there that we don't even know exist. There are people in jobs and in professions that we don't even know exists. And they do a lot of this. A senior home coach is one, right? So we have resources to help you put this stuff together that are vetted, right? So that you don't get ripped off. So somebody doesn't treat you poorly or treat your parents poorly.
Ishanya Anthapur (40:36.942)
Mm.
Robin McCoy (40:38.433)
There are case managers, I think they're called case managers. Annalee Krueger is probably one of the greatest ones out there, quite frankly, and she was on my show and her book is on my list. And people will come to her first to try and, and she can talk, you know, cause not all families get along all the time, right? And not all parts of the family live in the same place and have, you know, so there's
Ishanya Anthapur (40:58.999)
You break.
Robin McCoy (41:06.133)
There's a lot of that that goes on. And so she, she can help, mediate, right? And they come to her early, but then they don't want to spend the money to make the whole plan. And then mom gets dementia and now we don't know what to do and we're in chaos and we're in crisis mode. So there are people like Anna Lee Krueger out there that can help you manage long-term planning. Obviously there's a state attorneys.
and financial planners that help. But the hard part sometimes is just, do I talk to my mom about how I think she's not safe in her home anymore? Or how do I tell my kids, I don't want to live here anymore. And I told you I'd live here till I died, but I really want something easier to take care of that I can go travel. You don't have to be old and decrepit and ready to go into skilled nursing and then on
Ishanya Anthapur (41:45.836)
Yeah. Yeah.
Ishanya Anthapur (42:03.598)
Thank
Robin McCoy (42:03.745)
to, you you could just be 75 years old and tired of taking care of this house and I want to go to Europe. I want to go on a cruise. I want to get an RV. I want to go live the rest of my life. And then kids don't necessarily. So it's, tough. It's tough to have those conversations, but I would say have them early. Have them right now. You know, if you're 40,
Ishanya Anthapur (42:08.546)
Yeah, yeah, or I want to get an RV. I want to see some things.
Ishanya Anthapur (42:20.759)
may not even know.
Robin McCoy (42:31.789)
Start having conversations with your parents. If you're 60, 70, start having conversations with your kids. Because it happens faster than you think.
Ishanya Anthapur (42:34.862)
Why not?
Ishanya Anthapur (42:38.52)
Yeah, that's great advice.
By now, think 10 years goes by in the blink of an eye sometimes.
Robin McCoy (42:48.245)
It does. My mother used to say the older you get, the faster the years go. And I never understood what that meant until I got over 50. And then you just start going, they do go fast. Where did this time go?
Ishanya Anthapur (43:03.926)
Gosh, and I think the goal is like every you want to enjoy as much of that time that we have on this planet as possible. Why not, you know, suck it up a little bit and have the awkward conversation just to clear the air, make sure your needs are known and then kind of listen. I think listening is another key thing too, right? Like you got to listen to your kids and what they're hopefully they're advising you in the right way.
Robin McCoy (43:08.471)
Yes.
Robin McCoy (43:26.722)
Yes.
Ishanya Anthapur (43:32.45)
listen to your grandkids. So it goes both ways. You gotta talk, we gotta listen.
Robin McCoy (43:37.198)
It does. You got to talk and you've got to listen and you know, but ultimately I think which whoever you are, you, you obviously want to, you want your choices, right? I don't care who you are. You know, if you don't like oatmeal, you don'twant to eat oatmeal. And if you don't want to go live there, but you'd rather live there when the time comes, you need to let people know so that if you are unable to say, I don't want to live there.
Ishanya Anthapur (43:50.766)
Mm.
Ishanya Anthapur (43:54.67)
you
Robin McCoy (44:06.273)
You can say that so they don't think it's nice. And now you're living there and you can't communicate that you don't want to live there. So I think that's what it all comes down to communication. This whole thing is all about communication and being upfront and forthright with everybody.
Ishanya Anthapur (44:13.375)
Yeah, yeah, yeah.
Ishanya Anthapur (44:26.862)
And as a senior home coach, you said your role is kind of one to help with this communication, help with the planning and things like that, right?
Robin McCoy (44:37.003)
And just see where my role is in their planning, right? It's not, I am not an attorney. I am not a physician. I am not a psychologist. I am an experienced person is what I am. And I have certain expertise and the things that I don't have expertise in, I'm gonna refer you to somebody that does and it will be somebody that I trust, right? Which is better than opening up the yellow pages. Yellow pages, listen to me, date myself.
It's different than just Googling somebody and taking the first one that comes up, right? Because that's how bad things happen. And so you want references and referrals from people that you know and trust that has used that vendor. And it could be a roofer. I mean, it doesn't have to be an estate attorney. It could be a roofer that doesn't take your money and leave the hole in your roof.
Ishanya Anthapur (45:15.136)
Right.
Ishanya Anthapur (45:23.768)
Yes.
Ishanya Anthapur (45:33.838)
That's so true, my gosh, yeah. All these kind of like, health-related things. Well, I would, I, even though I am not an older adult just yet, yeah, I would love to work with you, Robin. I feel like I just want you in my life, like, personality wise.
Robin McCoy (45:35.85)
So yeah.
Mm-hmm.
Robin McCoy (45:45.618)
You will be.
Robin McCoy (45:51.863)
Well, thank you. I'm here. I'm not going anywhere. So you want to call and talk to me anytime. I'm here.
Ishanya Anthapur (45:56.142)
Amazing. And just one more time for our listeners, where are you based out of again?
Robin McCoy (46:04.023)
So I am in the DFW area. I office in Dallas and I live in the suburbs with my husband and my two dogs. And I've been in Dallas since 2001. I was actually born here. So moved around a lot as a kid, came back. They say you can take Texas out of the girl, or the girl out of Texas, but you can't take Texas out of the girl. So here I am.
Ishanya Anthapur (46:22.062)
Ha
Robin McCoy (46:28.403)
Again, I've got my podcast called Relax I Got This, Embracing Life After 60. There is so much valuable information there just because of the people I have on my show are amazing. And I'm so grateful that they would be willing to spend their time with me. And then my website, relaxigottthis.com. You can find me on all the socials, just I'm everywhere.
Ishanya Anthapur (46:51.188)
That's amazing. I am really excited for the podcast. I want to check out your relax. I got this love the name of the brand. I feel comfortable in your in your safe hands.
Robin McCoy (46:57.611)
It's really good.
Robin McCoy (47:02.881)
God, that's what it's intended to. I can handle a lot of things. I can't handle everything, because again, I'm not some things. And yet, I want you to feel comfortable that I can, at the very least, point you in the right direction.
Ishanya Anthapur (47:13.452)
Yeah.
Ishanya Anthapur (47:20.738)
Yeah, yeah, you are a holder of resources.
Robin McCoy (47:24.235)
I am a holder of resources.
Ishanya Anthapur (47:26.939)
Well thank you so much for coming and joining us on our podcast. We've had a great time.
Robin McCoy (47:32.673)
Thank you so much. really appreciate this and I am, I'm excited to learn even more about your company and what Simply does. I've just been introduced to you guys recently and I'm excited to learn more about you guys. I think it's amazing what you're doing.
Ishanya Anthapur (47:47.498)
Yeah, we'll have to continue. We'll have to continue the conversation because there was just too much I didn't get to ask you, but thank you, Robin.
Robin McCoy (47:52.589)
Anytime, anytime. Thank you.