Giving Grief Grace, a Grief Podcast for the Sandwich Generation
Loss changes everything. But it doesn't have to have the last word. Giving Grief Grace is a podcast dedicated to those in the throes of caregiving and loss with honest, compassionate conversations about grief, healing, and what it means to keep living after loss. Hosted by Lisa Hartung, a speaker, HR professional, and fellow griever, each episode creates space for the stories we don't always know how to tell.
From disenfranchised and hidden grief, to grieving while parenting, to the ways men experience loss differently, to the unexpected power of creativity and legacy, this show covers grief in all its forms. Featuring expert guests, real stories, and practical tools you can use right now.
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Giving Grief Grace, a Grief Podcast for the Sandwich Generation
The $200K Mistake Families Don't See Coming with Senior Transition Advisor Ryan Riggins
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There's a mistake hiding in almost every "we'll buy your house for cash" letter. These sometimes come when a family is most vulnerable as they prepare for or already have a loved one in a continuing care community. It can cost them $200,000 instead of $100,000, often after they've already given everything they have. Ryan Riggins knows this world having spent eight years as a house flipper. Eventually, he switched sides and created Riggins Strategic Solutions to help families know all their options instead of rushing to sell their home. In this episode he walks through the Medicaid five-year look-back trap, how to spot a fair cash offer, and how to tackle going through a lifetime of belongings.
A few things you'll take away from this episode:
- Why the house is usually item 21 on a much longer and more urgent to-do list
- How Medicaid's five-year look-back can turn a well-intentioned gift into a $200,000 mistake
- How to recognize a fair cash offer versus a wholesaler's letter
- A weekly two-bag approach to clearing out a parent's home
- Why aging in place only works if you plan for who your parent might be in five years, not just who they are today
If you are considering next steps for your parent or grandparent, you don't have to have all the answers today. Ryan Riggins created a free Senior Transition Blueprint to walk you through next steps of what to consider, how to take action, and what to expect. You are not alone, lean on your community and specialists who work in this realm every day.
Book a free 20 minute call with Ryan Riggins.
Download the SeniorSafe App!
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Special thanks to:
Podcast Editor Jacqueline van Bierk of Pink Star Music
Podcast Music Good_B_Music
Lisa Hartung - Giving Grief Grace: Okay, everyone, I am super excited to have Ryan Riggins on the show today. Ryan is a senior transition advisor, a former house flipper.
09:13:17 --> 09:13:34
Lisa Hartung - Giving Grief Grace: And I'm super excited to chat with him because our listeners are all preparing to care for their parents or their grandparents and are looking to transition, potentially transition their their grandparents into.
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Lisa Hartung - Giving Grief Grace: a new home or living situation. So Ryan here has, uh, created this senior transition blueprint, and, um, he's here to share it with us. Uh, Ryan has a really unique history, and so Ryan.
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Lisa Hartung - Giving Grief Grace: Welcome to the show. I'd love for you to share with our listeners a little bit about what you do and how you've gotten to where you are today.
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Ryan Riggins: Um, I'm excited to be here, and I… I thank you for having me, and you know, I created this… this little niche of myself in this caregiving space, because there's…
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Ryan Riggins: So many different, you know, professionals.
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Ryan Riggins: and and moving parts. When this stage of life comes. Everybody has a little bit of an opinion about the house.
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Ryan Riggins: But nobody knows exactly what to do with the house, and the stuff in it, and how to coordinate it. And, you know, if…
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Ryan Riggins: you know, mom or dad doesn't have the capacity to sign anymore, who's got power of attorney. A lot of things. And I saw it from the other side, and that's where I took it… I mean, I'd say, take advantage. That's exactly what it was doing, because I sent the letters, you know, we'll buy your house for cash.
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Lisa Hartung - Giving Grief Grace: Oh my gosh, yes.
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Ryan Riggins: I sat at the kitchen table and, you know, told you your house needed $50,000 worth of work, and here's my lowball offer.
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Ryan Riggins: And that was that. You know, I made good money, but things didn't sit right with me.
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Ryan Riggins: you know, I can… I can go into a little bit on my parents, my dad, the entrepreneurial side, my mother, the non-profit volunteer side, and I leaned a little bit too hard towards my dad's side, so…
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Ryan Riggins: I needed to come back towards the middle and give a little bit back to the world instead of just taking from it, because that's what's important to me. Some things happen with my own family, and I just saw how much these families struggle during this stage of life. You know, the parent, the child.
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Ryan Riggins: You know, the grandchildren, the children of the children.
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Ryan Riggins: And.
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Ryan Riggins: There is a professional for every other, you know, part of this process.
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Ryan Riggins: Except for the house before it needs to be listed with a realtor.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Lisa Hartung - Giving Grief Grace: Yeah, and it's one of those situations where.
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Lisa Hartung - Giving Grief Grace: you don't know that you need it until it's almost too late, like, that you need support, right? And so I love that we're having this conversation now, and for listeners who are like, I am in a pickle.
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Lisa Hartung - Giving Grief Grace: I don't know what to do next. Just stay calm. Ryan will help us through it. And and.
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Ryan Riggins: Well, I mean…
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Ryan Riggins: That that's where that's where you know the blueprint goes. The blueprint is is free, you know, and it it walks through a little bit of everything. You know what professionals to call and when elder attorneys, Medicaid professionals, life care specialists, senior move managers.
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Lisa Hartung - Giving Grief Grace: Please.
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Ryan Riggins: Not just the real estate portion of it, you know, that's just one module out of 20, you know, during this stage of life. And, uh, you know, that's the DIY version of it. And, you know, if you engage with me, we build a roadmap based on your own situation.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Ryan Riggins: And what you have going on right now.
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Lisa Hartung - Giving Grief Grace: Yeah, what I thought was really interesting that, um, that you'd mentioned is, you know, there are 20 different, um.
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Lisa Hartung - Giving Grief Grace: kind of questions that you have to answer, or a family has to answer when someone is looking to transition out of their house, and then or.
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Ryan Riggins: Okay.
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Lisa Hartung - Giving Grief Grace: do something with their… at the end of their lives. And then there's… the 21st thing on the list is the actual house.
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Lisa Hartung - Giving Grief Grace: So how do we get from zero to 21 and what do we have to go through along the way before we get to that, to the house situation? Because, you know, it can be overwhelming. There's so many, there's so many things to like check off the list, the to-do list.
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Ryan Riggins: There are. And and I mean, I'll I'll I'll start with this 1st because you you've got those 20 that you have to get through. And you know you you talk to me, and we get through these 20, and then we get to the point where it's time to pick a listing agent to sell the house.
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Ryan Riggins: You know, most people's first instinct is, you know, we're standing in the hospital hallway, mom fails, she's going to a continuing care retirement community, for the first instinct to sell the house, when there's these other 20 moving parts that come first.
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Lisa Hartung - Giving Grief Grace: Yeah.
09:17:54 --> 09:18:04
Ryan Riggins: You know, the fall, or the diagnosis, or the event that started all of it, hospital discharge, is she safe alone at night, who has power of attorney, whether it's the right kind.
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Ryan Riggins: Telling her, talking to her about it, the loved one.
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Ryan Riggins: Siblings who don't agree.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
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Ryan Riggins: Somebody's job and somebody's marriage absorbing all of it.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Ryan Riggins: Then there's a bunch of little things, medications, meals, Medicare versus Medicaid, touring places, the move itself, the pets, the vehicles, a VA benefit.
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Ryan Riggins: Aid benefit that nobody applied for. Bathing.
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Lisa Hartung - Giving Grief Grace: Mmm.
09:18:30 --> 09:18:32
Ryan Riggins: Whether there's a wheel or not.
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Lisa Hartung - Giving Grief Grace: Yep.
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Ryan Riggins: Whether they should still be driving, who's paying for what.
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Ryan Riggins: Finding a place, the stuff and the contents in the home, and the car.
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Ryan Riggins: I mean, all of these moving parts.
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Ryan Riggins: Before we ever get to the house.
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Ryan Riggins: The big one for me is usually the stuff and the contents of the house.
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Ryan Riggins: And the condition of the house.
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Lisa Hartung - Giving Grief Grace: Yeah.
09:18:53 --> 09:18:55
Ryan Riggins: You know, and they're…
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Lisa Hartung - Giving Grief Grace: Like, what do you do in that situation?
09:18:56 --> 09:19:02
Ryan Riggins: Well, I mean, you call a realtor, they want to list it. That's the job, right?
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Lisa Hartung - Giving Grief Grace: Great.
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Ryan Riggins: I am a licensed realtor, but I don't take listings. When it is time to list, I pair you with a realtor who specializes in what your property is. Usually.
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Ryan Riggins: In my area, it's like small ranch houses type things, but it could be a condo, it could be a billion dollar house, and not all listing agents are the same, and the best ones usually have a niche, just like this niche that I've chosen to be in.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:19:27 --> 09:19:28
Lisa Hartung - Giving Grief Grace: Yes.
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Ryan Riggins: Right?
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Ryan Riggins: But, you can sell it as is.
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Ryan Riggins: And I bring this up, and I harp on it, because…
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Ryan Riggins: When… when you hire… when you interview listing agents, 90 to 95% of people go with the first one.
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Ryan Riggins: It's, it's just, it's the same.
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Lisa Hartung - Giving Grief Grace: Mmm, because they just need to get it out.
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Ryan Riggins: It's the same with the letters. You know, you might have 5 cash buyer letters in your mailbox, and the best ones send you mail every month.
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Lisa Hartung - Giving Grief Grace: Mmm.
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Ryan Riggins: So that you know who they are. So you call the one that sent you mail every month, they come over to your house, they sit at your kitchen table.
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Ryan Riggins: You know, they look around, they see the four years worth of stuff, they see the deferred maintenance, and they offer you one lowball offer. You take it because you're embarrassed, you know there's deferred maintenance, you know there's repairs that need to be made, and you don't want to deal with listing it. Again, you know, a lot of the older folks are embarrassed about the way things are.
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Lisa Hartung - Giving Grief Grace: Mmm.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Ryan Riggins: Then, there's an as-is offer we just listed on the MLS.
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Ryan Riggins: You know, we hire a real estate agent.
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Ryan Riggins: who works with investors, and we list it so that we get exposure, and we can get the highest and best from all of that exposure on the MLS.
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Ryan Riggins: Then, another one that I personally do is we get multiple cash offers, so that we have 4 or 5 cash buyers competing with one another.
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Ryan Riggins: And I vet them and make sure they're actually cash buyers and not wholesalers.
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Lisa Hartung - Giving Grief Grace: Oh, yeah.
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Ryan Riggins: I won't… I'll…
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Ryan Riggins: I'll get into that if we want to.
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Ryan Riggins: But, you know, then there's…
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Ryan Riggins: what I like to do… everybody wants to remodel the kitchen and the bathroom, because that's what they do on HGTV, right? And it looks good and everything, but…
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Ryan Riggins: What I like to do in an older house like that is just some strategic repairs.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Ryan Riggins: Four to five to $10,000 if we can afford it.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:21:10 --> 09:21:11
Ryan Riggins: Clean it out.
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Ryan Riggins: You know, set up a donation pile, set up a trash pile, get it into a dumpster, get it cleaned out, replace some carpet.
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Ryan Riggins: Paint on the walls, replace some light fixtures, gives a really fresh look, and then sell it that way for $30,000 or $40,000 more on $8,000 versus spending $50,000.
09:21:30 --> 09:21:39
Ryan Riggins: to get another 30 in sale price from doing the kitchen. And you redid the kitchen and the bathroom, and the next person might redo it the way they want to anyway.
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Lisa Hartung - Giving Grief Grace: Right.
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Lisa Hartung - Giving Grief Grace: Right. Yeah.
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Ryan Riggins: you know. Then there, then there's owner, financing options and lease options and sub 2 subject to those are all very advanced, and I won't speak on them much, but there are other options to selling the home owner. Financing, you know, is a little bit of a tax strategy.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
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Ryan Riggins: Um, and then there's other real estate, you know, 1031 exchanges and, uh, step-up in tax basis and Medicaid and that stuff, I think we'll talk about later.
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Lisa Hartung - Giving Grief Grace: Yeah.
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Lisa Hartung - Giving Grief Grace: So those are the kind of the five different options that one has when they're faced with okay what's the next step you know mom or dad or both parents aren't can't live in this house any longer so you know you can list it you can.
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Lisa Hartung - Giving Grief Grace: work with someone like a senior transition advisor.
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Ryan Riggins: Well, I mean, a lot of… a lot of people think they have to… and I mean, again, I go back into the moving parts here, because you're… you're moving into a senior care facility, or CCRC, and everybody's like, well, we still gotta…
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Lisa Hartung - Giving Grief Grace: Yep.
09:22:35 --> 09:22:38
Lisa Hartung - Giving Grief Grace: What does CCRC stand for?
09:22:37 --> 09:22:40
Ryan Riggins: Continuing Care of a Retirement Community.
09:22:39 --> 09:22:42
Lisa Hartung - Giving Grief Grace: Okay. I like that.
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Ryan Riggins: And…
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Ryan Riggins: you know, it's like, well, who's going to keep paying the mortgage? Who's going to keep paying the insurance? Do we need to change the homeowner's insurance to a vacant policy instead of an HO3 policy? A lot of little things.
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Lisa Hartung - Giving Grief Grace: Um…
09:22:53 --> 09:22:54
Lisa Hartung - Giving Grief Grace: Yep.
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Ryan Riggins: But the… and I say it again, the first thing is, let's just sell the house, and then let's just take the first cash offer, because it's easy. When we slow down.
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Ryan Riggins: We can still do things fast and get the highest and best price.
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Lisa Hartung - Giving Grief Grace: Mm-hmm. And I'm interested, Ryan, we talked about this a little bit before we started recording.
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Lisa Hartung - Giving Grief Grace: When in that situation, right, someone needs to go to a continuing care facility and those facilities can be $10,000 to $15,000 a month.
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Ryan Riggins: Mm-hmm.
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Lisa Hartung - Giving Grief Grace: for someone to live in. And so, when you are working with a family, is there a…
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Lisa Hartung - Giving Grief Grace: how… how would you help someone as they're looking to say, well, okay, I don't want mom or dad to… to be there without, um, you know, and lose all of our money, and then what happens when they're 93 and they're still doing great, but we don't have any money left?
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Lisa Hartung - Giving Grief Grace: Right?
09:23:57 --> 09:24:06
Ryan Riggins: There's a couple of options there, and you know, that's… I won't pretend to be a financial advisor, so when it comes to that, uh…
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Lisa Hartung - Giving Grief Grace: Yeah.
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Ryan Riggins: I pivot to the financial advisor and the CPA, but there's also, you know, immediate care plans, which… this annuity thing that is relatively new in the United States, it's been popular in Europe, and I have a company I work with.
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Ryan Riggins: And…
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Ryan Riggins: You know, you put up a portion of your funds.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:24:26 --> 09:24:34
Ryan Riggins: And it pays that for life. Now, there's downsides to that. If you pass away in a year, the bulk of that money's gone.
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Lisa Hartung - Giving Grief Grace: Yeah.
09:24:34 --> 09:24:46
Ryan Riggins: But you might be able to put $200,000 into an annuity versus paying for it for 5 years at $10,000 a month, and then you're at $0, and your children have to.
09:24:46 --> 09:24:57
Ryan Riggins: fork out the money, or you have to go down to Medicaid, which is an option, but Medicaid can change your room, they can change your bed, they can even change your whole facility and put you somewhere else in the entire state, depending on the state.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
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Lisa Hartung - Giving Grief Grace: Uh-huh. Yes.
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Ryan Riggins: You know, so, I mean, there's…
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Ryan Riggins: there's different things to do, and I won't speak too much on the annuity program here, because I do like it, but I don't want to, you know, endorse it.
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Lisa Hartung - Giving Grief Grace: Yeah.
09:25:09 --> 09:25:15
Lisa Hartung - Giving Grief Grace: Yeah, you're like, that's for a tax advisor. But.
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Ryan Riggins: Because, because there's…
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Ryan Riggins: There, there, there's there's a lot of other options, and you know I work with some other professionals elder care, resource planning who does their certified Medicaid planners, and they work in all 50 States. I have another gentleman, him and his wife, run a life and care business. They're both registered nurses.
09:25:22 --> 09:25:24
Lisa Hartung - Giving Grief Grace: Wow.
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Ryan Riggins: And both former hospice nurses, and they help people figure out how to.
09:25:33 --> 09:25:38
Ryan Riggins: You know, a life care plan, you know, after a diagnosis or something like that.
09:25:35 --> 09:25:37
Lisa Hartung - Giving Grief Grace: Mm-hmm.
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Lisa Hartung - Giving Grief Grace: Yeah, I mean, I think it's so important of thinking about the whole, um, like the long term, and I know that, um, in, so my, my family, uh, lives in Maine, and I live in, in North Carolina, and so when we're looking at.
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Lisa Hartung - Giving Grief Grace: You know, if grandpa needs to go into an assisted living facility, looking at, okay, well, the facility needs to have the ability to take main care, which is, you know, Medicare.
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Lisa Hartung - Giving Grief Grace: Once you run out of money and so you're not going to lose care, right, you'll still, it'll be continuous, but yeah, all things to think about and so.
09:26:21 --> 09:26:33
Lisa Hartung - Giving Grief Grace: you say that you help families keep their biggest, you know, protect their biggest asset. So, um, what does that really look like for you as you're working with families?
09:26:34 --> 09:26:41
Ryan Riggins: Well, I'll I'll go back and talk a little bit more. You know about the Medicaid, because we do a lot of a lot of planning for.
09:26:38 --> 09:26:39
Lisa Hartung - Giving Grief Grace: Mmm.
09:26:41 --> 09:26:43
Ryan Riggins: Spending down.
09:26:43 --> 09:26:44
Lisa Hartung - Giving Grief Grace: Uh-huh.
09:26:43 --> 09:26:49
Ryan Riggins: And and and planning for Medicaid. And the the mistake that a lot of people make.
09:26:49 --> 09:26:52
Ryan Riggins: Happens in a couple of different ways.
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Lisa Hartung - Giving Grief Grace: Oh.
09:26:53 --> 09:26:54
Ryan Riggins: The children.
09:26:54 --> 09:26:58
Ryan Riggins: Let's just say mom wants to give the children the house.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:26:58 --> 09:27:07
Ryan Riggins: you know, well, Medicaid has a 5-year look-back period, and any gifts or any transactions that take place that weren't, you know, of.
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Ryan Riggins: the estimated value at the time will be counted against you. So you deed your house to your children, thinking that you're going to get rid of it so you can get Medicaid two years from now.
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Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:27:17 --> 09:27:21
Ryan Riggins: Uh, you gave it to him for a $100,000 less than it's worth.
09:27:21 --> 09:27:30
Ryan Riggins: And you file for Medicaid. Medicaid does that 5 year. Look back. What Medicaid is gonna do is they're gonna look at that transaction.
09:27:30 --> 09:27:36
Ryan Riggins: They're gonna find out what the value was at the time you transferred the date.
09:27:35 --> 09:27:37
Lisa Hartung - Giving Grief Grace: Mmm.
09:27:36 --> 09:27:40
Ryan Riggins: And they're gonna pull a value on what it…
09:27:40 --> 09:27:52
Ryan Riggins: should have sold for an estimate. A lot of states use the tax assessment, you know, for the time that it happened. Uh, some… some do a retroactive appraisal, but most use the tax assessment. Every state's a little bit different.
09:27:52 --> 09:28:01
Ryan Riggins: And they're gonna say, well, you… you know, you gave the house away for $100,000 less than it was worth. So, after you spend everything down.
09:28:01 --> 09:28:08
Ryan Riggins: That is when a clock starts. If it was $100,000, they're gonna use your state's monthly nursing home rate.
09:28:08 --> 09:28:10
Ryan Riggins: And then…
09:28:10 --> 09:28:15
Ryan Riggins: $100,000 divided by the amount of months, $10,000 a month, what does that buy us?
09:28:15 --> 09:28:17
Ryan Riggins: You know, 10 miles.
09:28:17 --> 09:28:25
Ryan Riggins: that the family or somebody else has to fork out before Medicaid will begin to help and pay.
09:28:26 --> 09:28:33
Ryan Riggins: So we've done two things here. We gave away $100,000 of equity. Yeah, we gave it to our children.
09:28:32 --> 09:28:34
Lisa Hartung - Giving Grief Grace: Yep.
09:28:33 --> 09:28:36
Ryan Riggins: But now we're having to pay for it again.
09:28:35 --> 09:28:37
Lisa Hartung - Giving Grief Grace: Oh.
09:28:36 --> 09:28:39
Ryan Riggins: So we lost $200,000 instead of $100,000.
09:28:39 --> 09:28:40
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:28:40 --> 09:28:45
Ryan Riggins: And it comes at the most inconvenient time, because you've already spent down all your money.
09:28:46 --> 09:28:52
Ryan Riggins: Because that clock doesn't kick in until you spent down to under about $2,000 in assets.
09:28:46 --> 09:28:47
Lisa Hartung - Giving Grief Grace: Yeah. Okay.
09:28:53 --> 09:28:54
Lisa Hartung - Giving Grief Grace: Oof.
09:28:54 --> 09:29:05
Ryan Riggins: So let's let's do another scenario. You sold the house for $100,000 cheaper because it was full of stuff, and it had a little bit of deferred maintenance.
09:29:03 --> 09:29:04
Lisa Hartung - Giving Grief Grace: Thank you.
09:29:06 --> 09:29:12
Ryan Riggins: And now, you gave $100,000 of equity to some stranger, to a wholesaler, a cash buyer.
09:29:12 --> 09:29:17
Ryan Riggins: And you still have to come out the $100,000 or $10,000 a month.
09:29:18 --> 09:29:20
Ryan Riggins: Until you paid that back to Medicaid.
09:29:18 --> 09:29:19
Lisa Hartung - Giving Grief Grace: Hmm.
09:29:20 --> 09:29:22
Lisa Hartung - Giving Grief Grace: Wow.
09:29:21 --> 09:29:24
Ryan Riggins: And that, and that's, that's the one I harp on the most.
09:29:24 --> 09:29:25
Lisa Hartung - Giving Grief Grace: Yeah.
09:29:25 --> 09:29:30
Ryan Riggins: Because people make these transfers thinking they're being smart.
09:29:25 --> 09:29:27
Lisa Hartung - Giving Grief Grace: Like what not to do.
09:29:29 --> 09:29:30
Lisa Hartung - Giving Grief Grace: Yeah.
09:29:30 --> 09:29:44
Ryan Riggins: And I'm not saying they're not smart, but, you know, a couple thousand dollars of Medicaid planning and talking to an attorney ahead of time to figure this stuff out, because there's other things, and I won't speak too much on Medicaid asset protection trusts, and.
09:29:43 --> 09:29:45
Lisa Hartung - Giving Grief Grace: Right.
09:29:44 --> 09:29:47
Ryan Riggins: You know, ways to protect things.
09:29:47 --> 09:29:49
Ryan Riggins: But it needs to be planned ahead of time.
09:29:49 --> 09:29:52
Ryan Riggins: And I hesitate.
09:29:52 --> 09:29:57
Ryan Riggins: to talk about my own family, but it drives home the reason I do what I do.
09:29:57 --> 09:30:11
Ryan Riggins: My parents made this entire… did this entire thing themselves. They were selling the house that I grew up in. I said, don't fix the kitchen, don't fix the bathrooms, get a home inspection, let's do an appraisal and find out what it's actually worth right now.
09:30:11 --> 09:30:26
Ryan Riggins: They spent $20,000 in the kitchen, they spent $30,000 in the bathroom, they didn't get a home inspection, so when the buyer had their inspection, they freaked out, thinking the whole house was falling down. They never had an appraisal, so my mom and my dad still fight today about whether they got the right price for it.
09:30:25 --> 09:30:27
Lisa Hartung - Giving Grief Grace: Oh…
09:30:27 --> 09:30:29
Ryan Riggins: But, the thing is…
09:30:29 --> 09:30:32
Ryan Riggins: Parents don't want to be told what to do by their children.
09:30:32 --> 09:30:35
Lisa Hartung - Giving Grief Grace: So true.
09:30:33 --> 09:30:37
Ryan Riggins: And that's where I can be the bad guy.
09:30:36 --> 09:30:39
Lisa Hartung - Giving Grief Grace: You're that third party.
09:30:37 --> 09:30:50
Ryan Riggins: You know, I can… I can be the battering ram, you know, I can be the… the go-between. That, and siblings who live far away, who don't get along, because, I mean, miscommunicate is usually not…
09:30:40 --> 09:30:41
Lisa Hartung - Giving Grief Grace: Yep.
09:30:50 --> 09:30:53
Ryan Riggins: A risk between the siblings. It's usually.
09:30:53 --> 09:31:04
Ryan Riggins: an information gap. You know, you've got the sibling here doing everything, and they're not conveying that to the sibling that's four states away. The sibling is here.
09:30:55 --> 09:30:57
Lisa Hartung - Giving Grief Grace: Mmhm.
09:30:58 --> 09:30:59
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:31:04 --> 09:31:07
Ryan Riggins: You know, it's working with me, and we know what to do with the house.
09:31:07 --> 09:31:09
Lisa Hartung - Giving Grief Grace: Yep.
09:31:07 --> 09:31:12
Ryan Riggins: And the sibling four states away says, we'll just sell it, but they don't have all the information.
09:31:12 --> 09:31:23
Ryan Riggins: So, you know, that's that's where we kind of tie everything back together. I'll be the bad guy. We'll figure out what to do with the house, and we'll make sure all of their equity goes to their care.
09:31:13 --> 09:31:14
Lisa Hartung - Giving Grief Grace: Yeah.
09:31:23 --> 09:31:36
Lisa Hartung - Giving Grief Grace: Yeah, yeah. And so in terms of — so we have listeners who are listening and saying, OK, I understand I need to prepare, right? If there's a five-year look back, who should they call first?
09:31:36 --> 09:31:40
Lisa Hartung - Giving Grief Grace: Is it an elder care attorney?
09:31:41 --> 09:31:46
Ryan Riggins: I'd say it depends on the situation.
09:31:41 --> 09:31:44
Lisa Hartung - Giving Grief Grace: Or do they call you and then you connect?
09:31:46 --> 09:31:47
Ryan Riggins: You know, um…
09:31:49 --> 09:31:53
Ryan Riggins: I would go for getting… if the thing is…
09:31:53 --> 09:32:07
Ryan Riggins: like a diagnosis, or we're progressing in, you know, the wrong direction, talk to the elder care attorney. Talk to Elder Care Resource Planning. They're partners of mine. They'll do a free consultation, and when it comes to the house, they're going to send you right back to me.
09:32:07 --> 09:32:11
Ryan Riggins: But my blueprint helps you.
09:32:11 --> 09:32:13
Ryan Riggins: do the steps.
09:32:14 --> 09:32:16
Ryan Riggins: And, you know, I kind of start…
09:32:17 --> 09:32:20
Ryan Riggins: With with cleaning out the house.
09:32:20 --> 09:32:23
Ryan Riggins: And I do what is called…
09:32:23 --> 09:32:29
Ryan Riggins: A two bag daily, and it can be a trash bag, it can be a grocery bag.
09:32:29 --> 09:32:38
Ryan Riggins: It can be whatever kind of bag you want, but a throwaway bag and a donation bag, and then that starts cleaning out the house.
09:32:40 --> 09:32:47
Ryan Riggins: I would say, if you want to. If you want to call somebody, and you want to get things started. Call elder care, resource planning, or call me.
09:32:40 --> 09:32:42
Lisa Hartung - Giving Grief Grace: Wow.
09:32:48 --> 09:32:59
Ryan Riggins: Because I'll point you in the right direction. I put everything together so that everybody could see it when they want to, and, you know, not have to pay for it. Another reason I kind of do what I do is because.
09:32:54 --> 09:32:55
Lisa Hartung - Giving Grief Grace: Yeah.
09:33:00 --> 09:33:04
Ryan Riggins: All those other people are are very intimidating to call to some people.
09:33:04 --> 09:33:08
Ryan Riggins: I mean, you're intimidated to call an attorney because you're worried they're gonna.
09:33:08 --> 09:33:09
Lisa Hartung - Giving Grief Grace: Right?
09:33:09 --> 09:33:15
Ryan Riggins: You don't want to call a realtor, because they want to come sit down and pitch a listing agreement to you.
09:33:15 --> 09:33:17
Lisa Hartung - Giving Grief Grace: Yeah.
09:33:15 --> 09:33:26
Ryan Riggins: You know I'm I'm kind of like the the middle ground, and I'll point you in the right direction when we need to go. I've got a client right now. We're working with elder care, elder care, resource planning.
09:33:21 --> 09:33:22
Lisa Hartung - Giving Grief Grace: Yeah.
09:33:26 --> 09:33:33
Ryan Riggins: But we also need to engage an attorney to get her conservatorship back so that she can sell her mother's home.
09:33:33 --> 09:33:39
Ryan Riggins: So that's not my job, but I can get you there. You know what I mean?
09:33:38 --> 09:33:53
Lisa Hartung - Giving Grief Grace: Mm-hmm. Yeah, you kind of help facilitate and connect the dots. And so rigginsstrategicsolutions.com is where people can pause and go to your website to go look at it.
09:33:47 --> 09:33:49
Ryan Riggins: That's great.
09:33:53 --> 09:33:56
Lisa Hartung - Giving Grief Grace: You can kind of put all of the pieces together, but…
09:33:56 --> 09:34:00
Lisa Hartung - Giving Grief Grace: So so now we've got this.
09:34:00 --> 09:34:14
Lisa Hartung - Giving Grief Grace: you know, we're working through… I love that you said you've got the two-bag rule, and so, um, in our family, my mom loved to collect everything, and so she, at the end of her life, was really…
09:34:14 --> 09:34:23
Lisa Hartung - Giving Grief Grace: fraught with how much stuff my sister and I and my dad are left with. And so…
09:34:23 --> 09:34:38
Lisa Hartung - Giving Grief Grace: how do you work with families as they are downsizing or, you know, moving homes on… what do you do with all of this stuff? Like, a two-bag rule would be great if we had a year, but what if we only had a month?
09:34:39 --> 09:34:52
Ryan Riggins: Well, I mean, you start with a couple of piles of stuff, you know, keep, donate, trash, and decide later. The stuff that you… if you're working through a weekend, alright, you have your decide later pile. You put it there on Saturday afternoon.
09:34:45 --> 09:34:46
Lisa Hartung - Giving Grief Grace: Mm-hmm, mm.
09:34:47 --> 09:34:48
Lisa Hartung - Giving Grief Grace: No.
09:34:52 --> 09:34:56
Ryan Riggins: Sunday's later. Sunday is time to decide.
09:34:54 --> 09:34:55
Lisa Hartung - Giving Grief Grace: Okay.
09:34:56 --> 09:34:59
Ryan Riggins: You know, but the thing about starting this.
09:34:59 --> 09:35:02
Ryan Riggins: Is to not start.
09:35:02 --> 09:35:06
Ryan Riggins: In the emotional places or with the emotional things.
09:35:06 --> 09:35:09
Lisa Hartung - Giving Grief Grace: Mm, yeah. Yeah, it's like John Mary.
09:35:07 --> 09:35:12
Ryan Riggins: Don't start with the… don't start with the collectibles. Don't start with the photo albums.
09:35:11 --> 09:35:13
Lisa Hartung - Giving Grief Grace: Hmm. Okay.
09:35:12 --> 09:35:23
Ryan Riggins: You know, don't start in the bedroom, start in a closet. Start in the kitchen pantry. Start in the couple cabinets in the kitchen where you got all the trinkets that you get at Christmas time.
09:35:23 --> 09:35:24
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:35:23 --> 09:35:26
Ryan Riggins: Start in the garage.
09:35:26 --> 09:35:29
Ryan Riggins: You know, start in the attic, as long as we're not dealing with.
09:35:29 --> 09:35:34
Ryan Riggins: You know, collectibles and personable stuff that has been stored in the attic.
09:35:33 --> 09:35:34
Lisa Hartung - Giving Grief Grace: Yeah. Okay.
09:35:34 --> 09:35:41
Ryan Riggins: Get the stuff that doesn't mean anything out of the way. You know, you can't start in your own closet, because nobody can get rid of clothes, right?
09:35:42 --> 09:35:47
Ryan Riggins: The other thing that you… the other thing that you can do in your closet, turn all your hangers around backwards.
09:35:47 --> 09:35:53
Ryan Riggins: And then just wear stuff out of your closet for a month. All the stuff that's still backwards, it's time to give it away.
09:35:55 --> 09:35:58
Lisa Hartung - Giving Grief Grace: That's an interesting concept there.
09:36:01 --> 09:36:05
Lisa Hartung - Giving Grief Grace: I like that. And so, you know…
09:36:05 --> 09:36:13
Lisa Hartung - Giving Grief Grace: this time in someone's life can be super, um, like, emotional, and I'm sure that.
09:36:13 --> 09:36:28
Lisa Hartung - Giving Grief Grace: I'd be interested to hear in your experience as you're working with, with families and you know, I think you also, yes, you're a senior transition advisor, but you're also a therapist in some capacity, right?
09:36:28 --> 09:36:43
Lisa Hartung - Giving Grief Grace: You're helping them through this. Maybe they've lived in this house for their entire lives or their entire marriage, and one of them has passed away, and now it's time to move to a facility or a continuing care facility.
09:36:43 --> 09:36:45
Lisa Hartung - Giving Grief Grace: Community, we call it. Sorry.
09:36:45 --> 09:36:46
Lisa Hartung - Giving Grief Grace: Um…
09:36:47 --> 09:36:50
Ryan Riggins: So, I'll…
09:36:47 --> 09:36:50
Lisa Hartung - Giving Grief Grace: How do you navigate that?
09:36:50 --> 09:36:53
Ryan Riggins: I'll use… I'll use one of my…
09:36:53 --> 09:36:57
Ryan Riggins: my old houses that I flipped, and…
09:36:57 --> 09:37:00
Ryan Riggins: kind of go through how I would do it today, because I was…
09:37:00 --> 09:37:06
Ryan Riggins: I got a great deal on the house, but we had a lot of emotional stuff to get through.
09:37:07 --> 09:37:08
Ryan Riggins: It was…
09:37:09 --> 09:37:14
Ryan Riggins: The fourth house that we ever bought has been 7 or 8 years ago.
09:37:14 --> 09:37:19
Ryan Riggins: The lady who owned the house was 92. She had dementia.
09:37:18 --> 09:37:20
Lisa Hartung - Giving Grief Grace: Oh.
09:37:19 --> 09:37:22
Ryan Riggins: Her son had the power of attorney.
09:37:22 --> 09:37:26
Ryan Riggins: And they were willing to sell the house, their son and his wife.
09:37:26 --> 09:37:30
Ryan Riggins: The lady who owned the house had a nephew living there, rent-free.
09:37:31 --> 09:37:33
Ryan Riggins: And…
09:37:33 --> 09:37:39
Ryan Riggins: There was about 40 years worth of stuff bought off of QVC stuffed in this house.
09:37:40 --> 09:37:49
Ryan Riggins: Plus the nephew's stuff, who'd been living there for 2 or 3 years. And he wasn't taking care of the place. There was, you know, trash and beer cans and stuff everywhere.
09:37:45 --> 09:37:47
Lisa Hartung - Giving Grief Grace: Wow.
09:37:49 --> 09:37:50
Ryan Riggins: So…
09:37:50 --> 09:37:56
Ryan Riggins: What they wanted to do, because she's still the owner, still had moments of clarity.
09:37:56 --> 09:37:59
Ryan Riggins: What they wanted to do was go through the stuff.
09:37:59 --> 09:38:14
Ryan Riggins: and they lived in Raleigh. Uh, we were in Southern Pines, Pinehurst area. They wanted to take some of her belongings so that in their moments of clarity, they could look through it. Now, this family happened to have the space to put it in a garage.
09:38:14 --> 09:38:25
Ryan Riggins: And at the time, you know, I have the tools and the equipment. We put two trailer loads, two 12-foot trailer loads of stuff, and took it up to Raleigh.
09:38:25 --> 09:38:26
Lisa Hartung - Giving Grief Grace: Wow.
09:38:25 --> 09:38:38
Ryan Riggins: for these folks, so that when this lady had her moments of clarity, she could, you know, go through her stuff. I mean, I'm talking about pianos, uh, dolls bought off QVC, other pieces of furniture, um…
09:38:39 --> 09:38:42
Ryan Riggins: A lot of stuff, and we do that…
09:38:42 --> 09:38:46
Ryan Riggins: Slowly and carefully, because, I mean, you don't wanna…
09:38:46 --> 09:38:49
Ryan Riggins: Say, well, this is trash, but it meant something to them.
09:38:49 --> 09:38:56
Ryan Riggins: You know, and even the son had stuff, you know, because it was the house he grew up in, and he was 60, 65.
09:38:50 --> 09:38:51
Lisa Hartung - Giving Grief Grace: Yes.
09:38:55 --> 09:38:57
Lisa Hartung - Giving Grief Grace: Wow.
09:38:56 --> 09:38:57
Ryan Riggins: At the time.
09:38:57 --> 09:39:10
Ryan Riggins: And I mean, I go back and say, if I were to do that deal again, from this side of things, those folks would have walked away, just as is, on that house, with about $50,000 more than I paid for it then.
09:39:10 --> 09:39:17
Ryan Riggins: If we did the strategic repairs, you know, 5… that house would have taken about $10,000.
09:39:17 --> 09:39:20
Ryan Riggins: Then we would have gotten them an extra $100,000.
09:39:20 --> 09:39:21
Lisa Hartung - Giving Grief Grace: Mmm.
09:39:20 --> 09:39:22
Ryan Riggins: Um.
09:39:22 --> 09:39:26
Ryan Riggins: But every family is a little different.
09:39:27 --> 09:39:33
Ryan Riggins: I said some things on that one. We were cleaning out the little storage room out back.
09:39:33 --> 09:39:39
Ryan Riggins: And I don't remember exactly what I said. I remember he was an engineer and she was a retired teacher.
09:39:39 --> 09:39:42
Ryan Riggins: And we ended up pulling out, like, some calculus books.
09:39:42 --> 09:39:52
Ryan Riggins: And I said. I said, who grows up and use calculus? She goes. Be careful. My husband's an engineer, and I was a teacher.
09:39:53 --> 09:40:10
Ryan Riggins: But the nephew, the nephew who was living in that house, they offered to sell him the house for the same price that we were going to pay for it. He threw a fit, trashed the house, turned the power off on the house, let the stuff in the fridge and freezer go bad. The house was already in terrible shape, but that just kind of added to it.
09:40:03 --> 09:40:04
Lisa Hartung - Giving Grief Grace: Oh.
09:40:06 --> 09:40:08
Lisa Hartung - Giving Grief Grace: Oh.
09:40:10 --> 09:40:11
Ryan Riggins: So…
09:40:11 --> 09:40:15
Ryan Riggins: There's a lot of emotions, a lot of different opinions.
09:40:14 --> 09:40:15
Lisa Hartung - Giving Grief Grace: Yeah.
09:40:15 --> 09:40:20
Ryan Riggins: And each one is different on how we handle it.
09:40:20 --> 09:40:22
Ryan Riggins: You know, you have…
09:40:22 --> 09:40:29
Ryan Riggins: you know, dementia and Parkinson's and Alzheimer's, and oftentimes you're dealing with.
09:40:29 --> 09:40:34
Ryan Riggins: A family who has power of attorney to make those decisions, and other siblings pulling on them.
09:40:34 --> 09:40:36
Ryan Riggins: Trying to, you know…
09:40:36 --> 09:40:39
Ryan Riggins: I'll figure out what the best decision is.
09:40:38 --> 09:40:40
Lisa Hartung - Giving Grief Grace: Yep.
09:40:39 --> 09:40:51
Ryan Riggins: And that's where I come in and I just bring all the information. Okay, here's where we sell it as is to one person. Here's where we sell it as is on the open market, where everybody can bid on it. Here's where I come in and I bring 4 cash offers.
09:40:47 --> 09:40:48
Lisa Hartung - Giving Grief Grace: You know.
09:40:51 --> 09:40:53
Ryan Riggins: And we get the highest and best one.
09:40:53 --> 09:41:04
Ryan Riggins: Or, we find a real estate agent after we fix it up, or whatever we're gonna do, and then we list it. But we only do all of that after we have everything else figured out. Because as long as.
09:41:04 --> 09:41:09
Ryan Riggins: As long as we have the mortgage and taxes and insurance taken care of, we have a little bit of time.
09:41:07 --> 09:41:09
Lisa Hartung - Giving Grief Grace: Yeah, okay.
09:41:09 --> 09:41:11
Lisa Hartung - Giving Grief Grace: Mm-hmm, that buys you time.
09:41:12 --> 09:41:15
Lisa Hartung - Giving Grief Grace: to figure out what to do next.
09:41:14 --> 09:41:15
Ryan Riggins: Mm-hmm.
09:41:15 --> 09:41:17
Lisa Hartung - Giving Grief Grace: Because they could…
09:41:17 --> 09:41:22
Lisa Hartung - Giving Grief Grace: They could go into a care community.
09:41:22 --> 09:41:24
Lisa Hartung - Giving Grief Grace: And then you could have the house.
09:41:24 --> 09:41:26
Lisa Hartung - Giving Grief Grace: And rent it out, or…
09:41:27 --> 09:41:29
Lisa Hartung - Giving Grief Grace: Or sit on it.
09:41:27 --> 09:41:40
Ryan Riggins: Well, I mean, a lot of folks, and I won't say in every state, but a lot of folks, you know, if we're shooting for Medicaid, they're like, we got to sell the house so we can qualify for Medicaid. That is not the case. A lot of time, the house will be exempt.
09:41:40 --> 09:41:49
Ryan Riggins: at least for the first little while. And I mean, there's other things you can do, like write a letter that says they intend to return back home, but it'll be exempt from.
09:41:42 --> 09:41:43
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:41:49 --> 09:41:55
Ryan Riggins: you know, the qualifications when you're applying for Medicaid. If you sell the house while you're applying for Medicaid.
09:41:55 --> 09:42:03
Ryan Riggins: It's a $200,000 house, you got no mortgage on it, all of a sudden you've got $200,000 in cash, and you don't qualify for Medicaid anymore, at all.
09:42:03 --> 09:42:05
Lisa Hartung - Giving Grief Grace: Uh… no.
09:42:05 --> 09:42:06
Lisa Hartung - Giving Grief Grace: Such a game, isn't it?
09:42:06 --> 09:42:07
Ryan Riggins: Right?
09:42:08 --> 09:42:22
Ryan Riggins: And I mean, those are the things. Again, when people are standing in the hospital, mom had a fall, she's got to move, people are like, let's sell the house. The cash buyer says, I'll buy the house in 7 days, and you don't find out about that Medicaid problem until you've got a bunch of cash sitting in the.
09:42:22 --> 09:42:26
Lisa Hartung - Giving Grief Grace: Yeah. And then they take it.
09:42:27 --> 09:42:28
Lisa Hartung - Giving Grief Grace: So the best thing…
09:42:27 --> 09:42:33
Ryan Riggins: They make you spend it down before you qualify for Medicaid.
09:42:31 --> 09:42:34
Lisa Hartung - Giving Grief Grace: Right, so you're paying all of those bills.
09:42:33 --> 09:42:35
Ryan Riggins: Mm-hmm.
09:42:34 --> 09:42:35
Lisa Hartung - Giving Grief Grace: Right, and…
09:42:35 --> 09:42:41
Ryan Riggins: You're going to pay privately. You're going to pay that company that $200,000 before Medicaid will step in and help.
09:42:35 --> 09:42:37
Lisa Hartung - Giving Grief Grace: But…
09:42:41 --> 09:42:43
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:42:41 --> 09:42:48
Ryan Riggins: But, you know, with the Medicaid plan and the life and care plans I do with Mr. Callahan.
09:42:48 --> 09:42:53
Ryan Riggins: you know, we try to have Medicaid be more of a last resort, because.
09:42:53 --> 09:42:57
Ryan Riggins: I mean, Medicaid is not what you really want.
09:42:57 --> 09:43:07
Ryan Riggins: So, I mean, I like the annuity plans. I like working with your financial advisor, figuring out where we are, what we can afford, what we can do. I'm working on, right now.
09:43:02 --> 09:43:04
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:43:08 --> 09:43:11
Ryan Riggins: While we're trying to figure out what to do with the mother's condo.
09:43:11 --> 09:43:22
Ryan Riggins: and there's a special needs grandson who can be gifted the condo, and it not be affected in the Medicaid, but if we do that, then the rent from the condo.
09:43:22 --> 09:43:24
Ryan Riggins: Can no longer go towards her care.
09:43:24 --> 09:43:27
Ryan Riggins: So we're on the fence of…
09:43:27 --> 09:43:32
Ryan Riggins: We need to sell the condo, or we're gifting the condo to the special needs grandson.
09:43:27 --> 09:43:29
Lisa Hartung - Giving Grief Grace: Oh.
09:43:32 --> 09:43:35
Ryan Riggins: Or are we keeping it and using the rent to help cover the costs?
09:43:36 --> 09:43:42
Ryan Riggins: You know, and we're also reaching for the VA aid benefit.
09:43:42 --> 09:43:45
Ryan Riggins: You know if we can if we can score that.
09:43:45 --> 09:43:49
Ryan Riggins: Then, you know, her gap and her little bit of, uh, retirement money.
09:43:49 --> 09:43:52
Ryan Riggins: It's $30 a month.
09:43:52 --> 09:43:53
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:43:52 --> 09:43:58
Ryan Riggins: You know, if we don't get the VA aid benefit, then the gap is $1,600 a month.
09:43:58 --> 09:44:00
Lisa Hartung - Giving Grief Grace: Right. That's different.
09:43:58 --> 09:44:02
Ryan Riggins: You know, and how long does this retirement account pay for things before we have…
09:44:02 --> 09:44:04
Ryan Riggins: to apply for Medicaid.
09:44:06 --> 09:44:08
Lisa Hartung - Giving Grief Grace: It's such a puzzle.
09:44:08 --> 09:44:13
Lisa Hartung - Giving Grief Grace: And, you know, with the VA, sometimes the wait is really long.
09:44:13 --> 09:44:14
Lisa Hartung - Giving Grief Grace: Right? And.
09:44:13 --> 09:44:22
Ryan Riggins: Well, and that aid benefit from them, you know, it can, of course, be a surviving spouse, but I mean, it had to… there's a lot of stipulations that had to be…
09:44:22 --> 09:44:33
Ryan Riggins: you know, you were a veteran, but it was during wartime, or you served in the country during wartime, or in the waters off the country. So, I mean, there's a lot of stipulations that go there.
09:44:32 --> 09:44:34
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:44:33 --> 09:44:41
Ryan Riggins: But it's worth it, you know, if it's gonna, you know, pay $1,500 to $2,500 towards your care. And that can even be in home care.
09:44:41 --> 09:44:51
Lisa Hartung - Giving Grief Grace: Mm-hmm, yeah. Yeah, do you ever work with families where, um, you go and you look at the different options, right? You go through all the different options?
09:44:51 --> 09:45:01
Lisa Hartung - Giving Grief Grace: And maybe one of them is not to sell the house, but just to have someone, um, outfit it for whatever needs so that you can age in place.
09:45:01 --> 09:45:06
Lisa Hartung - Giving Grief Grace: And then getting, um, getting a care person to come in.
09:45:06 --> 09:45:09
Lisa Hartung - Giving Grief Grace: Might be cheaper than going to a…
09:45:07 --> 09:45:08
Ryan Riggins: Bet.
09:45:08 --> 09:45:14
Ryan Riggins: That was the plan with this condo that I'm telling you about. She got…
09:45:13 --> 09:45:15
Lisa Hartung - Giving Grief Grace: Ah, ah.
09:45:14 --> 09:45:22
Ryan Riggins: She got moved out of her condo because a neighboring unit flooded, and it destroyed… and it destroyed her wall.
09:45:18 --> 09:45:20
Lisa Hartung - Giving Grief Grace: Oh.
09:45:21 --> 09:45:23
Lisa Hartung - Giving Grief Grace: Mmm.
09:45:22 --> 09:45:26
Ryan Riggins: So she moved into a continuing care retirement community.
09:45:26 --> 09:45:30
Ryan Riggins: Temporarily, and she likes it, so she wants to stay there.
09:45:29 --> 09:45:34
Lisa Hartung - Giving Grief Grace: She's like, I've got friends now. I've got a social network.
09:45:30 --> 09:45:32
Ryan Riggins: So, the plan…
09:45:33 --> 09:45:50
Ryan Riggins: The plan was to do some retrofitting in her house, you know, add some grab bars, non-slips, that kind of stuff. The problem with that is, and I have no issue with aging in place. Everybody wants to think about aging in place.
09:45:41 --> 09:45:42
Lisa Hartung - Giving Grief Grace: Yep.
09:45:50 --> 09:45:51
Ryan Riggins: Right now.
09:45:51 --> 09:45:58
Ryan Riggins: You know, this person is in their late 80s, and we're talking in a couple years they're 90.
09:45:52 --> 09:45:53
Lisa Hartung - Giving Grief Grace: Mm-hmm. Mm-hmm.
09:45:58 --> 09:46:04
Ryan Riggins: Are they still gonna be able to walk? Are they gonna need a walker? Are they gonna need a wheelchair? Then we're talking about widening doorways.
09:46:04 --> 09:46:06
Lisa Hartung - Giving Grief Grace: Mmm…
09:46:04 --> 09:46:07
Ryan Riggins: You know, so I'm all about aging in place.
09:46:07 --> 09:46:12
Ryan Riggins: But I'm about aging in place 3 years from now, 4 years from now, 5 years from now.
09:46:12 --> 09:46:18
Ryan Riggins: You know, and what that costs. You know, widening doors in a house is a big undertaking.
09:46:18 --> 09:46:20
Ryan Riggins: um…
09:46:18 --> 09:46:20
Lisa Hartung - Giving Grief Grace: Yeah.
09:46:20 --> 09:46:25
Ryan Riggins: That's some of those things. And I get into a lot of…
09:46:25 --> 09:46:32
Ryan Riggins: safety things for the elderly people now. And, you know, the elderly, a lot of them don't want all the smart stuff.
09:46:32 --> 09:46:39
Ryan Riggins: But the smart stuff can help you take care of them from far away, you know, and at least help monitor things.
09:46:39 --> 09:46:44
Lisa Hartung - Giving Grief Grace: Yeah, so you created this app called Senior Safe.
09:46:44 --> 09:46:53
Lisa Hartung - Giving Grief Grace: And I'd love for you to tell us more about that. I'm reading about it and saying, Ryan's brilliant, like, every family needs this.
09:46:53 --> 09:46:55
Ryan Riggins: The, the, the really…
09:46:55 --> 09:47:01
Ryan Riggins: Cool thing about Senior Safe, it does, it does some cool things, but you can take pictures.
09:47:01 --> 09:47:07
Ryan Riggins: in the app of all the documents that you need. So you're going through everything, and you find the will, the power of attorney, all the…
09:47:07 --> 09:47:10
Ryan Riggins: The documents that you might need.
09:47:09 --> 09:47:11
Lisa Hartung - Giving Grief Grace: Mmhm.
09:47:10 --> 09:47:21
Ryan Riggins: And it keeps it in one folder in SeniorSafe, and you label everything as you put it in there. Um, if you use the app on the computer instead of the…
09:47:21 --> 09:47:23
Ryan Riggins: The App Store version, you can…
09:47:23 --> 09:47:26
Ryan Riggins: Scan it in and upload it from your computer.
09:47:26 --> 09:47:31
Ryan Riggins: That is what I like about Senior Safe, but it is the least cool thing about it, I guess.
09:47:32 --> 09:47:34
Ryan Riggins: There's a…
09:47:34 --> 09:47:39
Ryan Riggins: There's a check-in there, you set the time, and your parent, you know, just taps check-in on the phone.
09:47:39 --> 09:47:42
Ryan Riggins: And you set the time of.
09:47:40 --> 09:47:43
Lisa Hartung - Giving Grief Grace: If they know how to use the phone.
09:47:42 --> 09:47:52
Ryan Riggins: Well, I mean, that's… I put a lot of things in here. They can… you can put 6 contacts in here. All they have to do is tap that person's, you know, name from inside the app, and it'll call them.
09:47:50 --> 09:47:51
Lisa Hartung - Giving Grief Grace: Oh, I love that.
09:47:52 --> 09:47:54
Lisa Hartung - Giving Grief Grace: Oh, I love that.
09:47:52 --> 09:48:00
Ryan Riggins: When you hit the check-in button, you can add a note. They can add a note, you know, I'm fine, I'm checking in, headed to the store today.
09:48:00 --> 09:48:10
Ryan Riggins: And if they don't check in by a certain time, it lets you, the adult child, know, and you can send them a little nudge, you know, and it'll pop up a notification, like, hey, you forgot to check in today.
09:48:12 --> 09:48:24
Ryan Riggins: Then I added an AI, more like a buddy for the senior parent, because they're all so lonely, you know, and it's something that they can just…
09:48:20 --> 09:48:22
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:48:24 --> 09:48:28
Ryan Riggins: Have a conversation with. And I've built it to be.
09:48:28 --> 09:48:43
Ryan Riggins: Mark Barrett / safe, where it will not answer Mark Barrett / complicated questions. It'll route to. You need to call your attorney. It'll route to. You need to call the nurse Mark Barrett / and and it answers questions like, Hey, can you give me an apple pie recipe? Hey, what's the weather like today?
09:48:43 --> 09:48:46
Ryan Riggins: You know, hey, what's on TV today?
09:48:46 --> 09:48:53
Ryan Riggins: And uh… and the higher tier is more for the adult child, and that AI goes into more.
09:48:53 --> 09:48:59
Ryan Riggins: It has all the knowledge of the blueprint and how I build a roadmap. So, I mean, you kind of talk to it.
09:48:56 --> 09:48:58
Lisa Hartung - Giving Grief Grace: Yep.
09:48:59 --> 09:49:02
Ryan Riggins: And build your own, you know, roadmap.
09:49:02 --> 09:49:09
Ryan Riggins: But it it really is I've I've kinda tried to put it package everything together where all the senior has to do is go into senior safe app.
09:49:09 --> 09:49:17
Ryan Riggins: And you could delete every other thing from their phone, which is what I did for my grandmother. We took every other app off of her phone.
09:49:14 --> 09:49:15
Lisa Hartung - Giving Grief Grace: Thank you.
09:49:17 --> 09:49:24
Ryan Riggins: Except for Senior Safe App. You know, and it's got the 6 people she calls in there, she taps their name in that app, and it calls them from there.
09:49:19 --> 09:49:21
Lisa Hartung - Giving Grief Grace: Yeah.
09:49:24 --> 09:49:29
Lisa Hartung - Giving Grief Grace: Mm-hmm. And can you message within the app as well?
09:49:29 --> 09:49:37
Ryan Riggins: You can. You can send a little note from the check-in app, and then, you know, from the communications app at the top, you can kind of text back and forth.
09:49:37 --> 09:49:44
Lisa Hartung - Giving Grief Grace: Mm-hmm. And one thing that, um, you can also do the medication, right? There's, like, reminders, or…
09:49:43 --> 09:49:52
Ryan Riggins: The medication reminder is… it does kind of the same thing, and I mean, you have to set it up, the adult child or the senior.
09:49:45 --> 09:49:47
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:49:52 --> 09:49:55
Ryan Riggins: And you set it up I take you know these at 8:00 AM.
09:49:55 --> 09:50:07
Ryan Riggins: And if you hadn't done it by about 10 after 8, it'll… it'll send you a nudge, like, hey, you hadn't taken your medication today. And if you hadn't done it by a certain time, it'll send your family a nudge that says, hey, they.
09:50:07 --> 09:50:09
Ryan Riggins: Or they hadn't crossed it off the list.
09:50:10 --> 09:50:14
Ryan Riggins: But… and that's what I mean.
09:50:14 --> 09:50:19
Ryan Riggins: There's a there's a small degree there where it almost feels like.
09:50:19 --> 09:50:27
Ryan Riggins: You know, somebody's watching me all the time, but you don't have to use the check-in. You can use the medications. You can just use the document vault.
09:50:27 --> 09:50:28
Lisa Hartung - Giving Grief Grace: Yep.
09:50:27 --> 09:50:33
Ryan Riggins: You know, if you don't want, you know, to have to check in with your kids every day and press some button.
09:50:33 --> 09:50:40
Ryan Riggins: You don't have to use it. You know, if you just wanna use it for the AI tool, you can do that. You can turn everything on and off what you wanna use.
09:50:40 --> 09:50:41
Lisa Hartung - Giving Grief Grace: Yeah.
09:50:40 --> 09:50:42
Ryan Riggins: You know, and.
09:50:42 --> 09:50:55
Ryan Riggins: the nice thing about, you know, the little family messaging thing is, you know, I put where you can take pictures in there, too. So, you know, if you're out with your kids, you can take a picture, throw it in the family chat, and your parent can.
09:50:52 --> 09:50:54
Lisa Hartung - Giving Grief Grace: Yes.
09:50:55 --> 09:50:58
Ryan Riggins: You know, see what you're out doing that day.
09:50:57 --> 09:51:12
Lisa Hartung - Giving Grief Grace: That's so sweet, right? I like that it's all in one place so that the senior doesn't have to relearn all of the things or go to the Photos app versus the Message app versus the WhatsApp.
09:51:12 --> 09:51:14
Ryan Riggins: Yeah. Okay.
09:51:12 --> 09:51:17
Lisa Hartung - Giving Grief Grace: Um, and so it's just one thing. So, Senior Safe, that's…
09:51:17 --> 09:51:22
Lisa Hartung - Giving Grief Grace: That's really, really cool. I think what you're doing, Ryan, is so important.
09:51:22 --> 09:51:24
Lisa Hartung - Giving Grief Grace: And.
09:51:22 --> 09:51:30
Ryan Riggins: Well, I did… I didn't want to be a regular realtor, and I couldn't just be the cash buyer investor anymore. So, I found a…
09:51:30 --> 09:51:33
Ryan Riggins: A little niche for myself to work in.
09:51:33 --> 09:51:39
Ryan Riggins: just like I told you, we'll go find the real estate agent who works that niche and selling that type of property.
09:51:39 --> 09:51:40
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:51:39 --> 09:51:51
Ryan Riggins: This is my niche, senior transitions. I can help anybody find a realtor, but I want to help the seniors and the families of the seniors who are in this hard part of life, the incredibly hard part of life.
09:51:42 --> 09:51:43
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:51:51 --> 09:51:53
Ryan Riggins: make those decisions.
09:51:52 --> 09:52:05
Lisa Hartung - Giving Grief Grace: Yeah, yeah. Is there one story that stands out with you over your time of helping that kind of just sticks with you as, oh, this is…
09:52:05 --> 09:52:08
Lisa Hartung - Giving Grief Grace: This is why I'm doing this.
09:52:08 --> 09:52:10
Ryan Riggins: Uh…
09:52:10 --> 09:52:12
Ryan Riggins: I like to use…
09:52:12 --> 09:52:19
Ryan Riggins: I really like to use the ones from my past, because I'll tell you what I did, and I'll tell you what I'll do differently today.
09:52:18 --> 09:52:20
Lisa Hartung - Giving Grief Grace: Mmm…
09:52:19 --> 09:52:28
Ryan Riggins: Alright, so I told you the one. The next one is one that we did on the very, very end of things.
09:52:28 --> 09:52:32
Ryan Riggins: Uh, the lady's mother had already passed away.
09:52:32 --> 09:52:42
Ryan Riggins: And she inherited this house. This house was a… was an old farmhouse, and the… it was sinking in the middle. The whole house was sinking in the middle.
09:52:41 --> 09:52:43
Lisa Hartung - Giving Grief Grace: Oh, gosh.
09:52:42 --> 09:52:46
Ryan Riggins: There was $109,000 owed on the house and the property.
09:52:47 --> 09:52:54
Ryan Riggins: I offered $104,000. She took it. She had to bring $5,000 to the closing table.
09:52:54 --> 09:52:55
Ryan Riggins: To get that…
09:52:55 --> 09:52:58
Ryan Riggins: Off her shoulders, off her books, to get rid of it.
09:52:59 --> 09:53:02
Ryan Riggins: Tell you what I did with the property.
09:53:02 --> 09:53:06
Ryan Riggins: I remodeled the house, and I broke even on the house.
09:53:06 --> 09:53:13
Ryan Riggins: But it came with 3 acres behind the house, and it came with a already parceled lot right next to the house.
09:53:13 --> 09:53:18
Ryan Riggins: While I was remodeling the house, I sold the parceled lot.
09:53:18 --> 09:53:20
Ryan Riggins: For $40,000.
09:53:20 --> 09:53:26
Ryan Riggins: Now, I went to the county, and I had some surveying done, and we spent about $20,000 to do this.
09:53:26 --> 09:53:29
Ryan Riggins: But I cleared 3 acres back there.
09:53:29 --> 09:53:31
Ryan Riggins: I turned it into three lots.
09:53:31 --> 09:53:36
Ryan Riggins: We built a road from the regular main house with the easement through the back of the property.
09:53:36 --> 09:53:37
Lisa Hartung - Giving Grief Grace: Yes.
09:53:36 --> 09:53:38
Ryan Riggins: And we made three one-acre lots.
09:53:38 --> 09:53:42
Ryan Riggins: And we sold each one of those for $65,000 apiece.
09:53:43 --> 09:53:45
Ryan Riggins: So if I were to do that today.
09:53:45 --> 09:53:49
Ryan Riggins: Because that, that, that's a, a, a big deal.
09:53:48 --> 09:53:50
Lisa Hartung - Giving Grief Grace: Yeah.
09:53:49 --> 09:53:57
Ryan Riggins: we would go in there, and I wouldn't have remodeled the house. Like I said, I broke even, but I had lost money on my previous deal, and I had something to prove.
09:53:57 --> 09:53:58
Lisa Hartung - Giving Grief Grace: Yep.
09:53:57 --> 09:54:02
Ryan Riggins: And, uh, I bulldozed that house and sell that lot for $40,000.
09:54:02 --> 09:54:06
Ryan Riggins: So, bulldoze the house, sell the lot next to it.
09:54:06 --> 09:54:12
Ryan Riggins: Sell the lot the house was on. We're at $80,000 right there. Then 65 times 3 on the back end.
09:54:12 --> 09:54:21
Ryan Riggins: And after doing it that way, we would have had about $40,000 into it, but we would have paid for it with the first lot that we sold.
09:54:22 --> 09:54:25
Ryan Riggins: So that's what I'm saying, we'd slow things down.
09:54:24 --> 09:54:26
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:54:25 --> 09:54:29
Ryan Riggins: Like, yes, right now you have to pay $800 on a mortgage.
09:54:27 --> 09:54:29
Lisa Hartung - Giving Grief Grace: Right.
09:54:29 --> 09:54:31
Ryan Riggins: you know…
09:54:31 --> 09:54:37
Ryan Riggins: But we're gonna come in here, we're gonna sell this one lot, and we're gonna make $200,000 on the back end.
09:54:31 --> 09:54:33
Lisa Hartung - Giving Grief Grace: But it's worth it.
09:54:33 --> 09:54:35
Lisa Hartung - Giving Grief Grace: And make that plan.
09:54:37 --> 09:54:38
Lisa Hartung - Giving Grief Grace: Wow.
09:54:39 --> 09:54:45
Lisa Hartung - Giving Grief Grace: Mm-hmm, so it's helping families. You're helping families be more strategic with the experience that you have.
09:54:41 --> 09:54:42
Ryan Riggins: So many.
09:54:43 --> 09:54:45
Ryan Riggins: Yeah.
09:54:45 --> 09:55:03
Ryan Riggins: Yeah, I mean, I go back to just the strategic repairs and updates in the house. Everybody says, man, we gotta spend $50,000 in here, when really you need to spend probably about $5,000. $1,000 on a dumpster and throwing stuff away, and $4,000 doing some deep cleaning, some landscaping.
09:54:45 --> 09:54:47
Lisa Hartung - Giving Grief Grace: And.
09:54:51 --> 09:54:52
Lisa Hartung - Giving Grief Grace: Yep.
09:55:03 --> 09:55:06
Ryan Riggins: So paint some light fixtures.
09:55:05 --> 09:55:07
Lisa Hartung - Giving Grief Grace: Yeah.
09:55:07 --> 09:55:12
Lisa Hartung - Giving Grief Grace: Yeah, because the new family is going to come in and make it their own.
09:55:12 --> 09:55:16
Ryan Riggins: Yeah, I mean, if you're looking at a 40- or 50-year-old house.
09:55:12 --> 09:55:13
Lisa Hartung - Giving Grief Grace: Right.
09:55:16 --> 09:55:23
Ryan Riggins: If we're looking at spending $40,000 or $50,000, we need to look at the things that matter, you know, and they're not…
09:55:21 --> 09:55:22
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:55:23 --> 09:55:25
Ryan Riggins: Sexy, you know, it's the roof.
09:55:25 --> 09:55:26
Lisa Hartung - Giving Grief Grace: Yeah.
09:55:25 --> 09:55:29
Ryan Riggins: That's 20 years old, 30 years old. It's the HVAC.
09:55:27 --> 09:55:29
Lisa Hartung - Giving Grief Grace: Mm-hmm.
09:55:29 --> 09:55:30
Lisa Hartung - Giving Grief Grace: Yes.
09:55:29 --> 09:55:35
Ryan Riggins: That's 15 years old. That's not the stuff that looks great in MLS pictures, but that's the stuff that matters.
09:55:34 --> 09:55:36
Lisa Hartung - Giving Grief Grace: Yep.
09:55:35 --> 09:55:45
Ryan Riggins: You know, I mean, if we want to ask another $25,000, $30,000, we need to replace the 30-year-old roof, and replace the HVAC, the squeaking.
09:55:36 --> 09:55:38
Lisa Hartung - Giving Grief Grace: That's what people are looking for.
09:55:45 --> 09:55:46
Lisa Hartung - Giving Grief Grace: But…
09:55:45 --> 09:55:46
Ryan Riggins: you know.
09:55:47 --> 09:55:49
Lisa Hartung - Giving Grief Grace: Yes.
09:55:48 --> 09:55:53
Ryan Riggins: So it's all… it's all about, you know, their… their situation, their scenario.
09:55:53 --> 09:56:07
Ryan Riggins: And, you know, just like the Medicaid planning and the estate attorneys, there's more than one way to do it, and we're going to find the best way to do it with your family and what they can handle. You know, some people can't handle.
09:56:07 --> 09:56:14
Ryan Riggins: the clean-out and the strategic repairs. And in that case, we go and we get the highest and best cash offer, you know, with four or five competing offers.
09:56:11 --> 09:56:13
Lisa Hartung - Giving Grief Grace: Yeah. Okay.
09:56:14 --> 09:56:29
Lisa Hartung - Giving Grief Grace: Yeah, I think you offer families so much support in either finding the specialist that they need at the specific time, whether that be an estate sales company, a financial advisor, an elder attorney.
09:56:29 --> 09:56:46
Lisa Hartung - Giving Grief Grace: You know, and then you walk them through this with this, um, with the Senior Transition Blueprint. So, I love that, Ryan. We can… people can go to seniortransitionblueprint.com, or they can go… your last name is Riggins, R-I-G-G-I-N-S.
09:56:46 --> 09:57:00
Lisa Hartung - Giving Grief Grace: Uh, rigginsstrategicsolutions.com is your website. You have so many free resources on it. We'll also link that in the show notes. But any… any last nugget of advice before we say goodbye, Ryan?
09:57:00 --> 09:57:17
Ryan Riggins: I know you have a lot of listeners, and I know you probably do other podcasts with other guests who are professionals in this space. I just invite anybody who's having a house issue or even other, you know, other real estate assets.
09:57:17 --> 09:57:27
Ryan Riggins: that is not part of the conversation, but it needs to be, just reach out to me. I mean, my cell phone number's right there on my website. Just text me, call me.
09:57:27 --> 09:57:29
Ryan Riggins: I'm here for when you need me.
09:57:28 --> 09:57:36
Lisa Hartung - Giving Grief Grace: Yeah, and thank you so much for being that person to hold the family's hand through a really challenging time.
09:57:36 --> 09:57:46
Lisa Hartung - Giving Grief Grace: I think you found such a beautiful niche, and I'm… I'm grateful for the work that you do, Ryan. So, thank you again, and I will link your…
09:57:42 --> 09:57:43
Ryan Riggins: I appreciate it.
09:57:46 --> 09:57:55
Lisa Hartung - Giving Grief Grace: We didn't even get a chance to chat about your books, but maybe that's another podcast episode in the future.
09:57:53 --> 09:57:54
Ryan Riggins: Yeah.
09:57:55 --> 09:58:01
Ryan Riggins: I thank you for having me on, and uh… I hope your listeners get a little something out of it, and uh…
09:58:01 --> 09:58:03
Ryan Riggins: I look forward to being on here again one day.
09:58:03 --> 09:58:10
Lisa Hartung - Giving Grief Grace: Yes, awesome. Well, thank you so much, Ryan, and thank you, listeners. I hope you have a wonderful week ahead.
