This booklet, addressed to healthy, independent adults who want to plan for secure later lives, presents information about planning for difficult times. The first section discusses issues related to where an individual will live as needs and physical abilities change. It describes services available to help individuals remain in their homes or to assist if parents move in with their adult children. Options to consider if staying at home is no longer possible are suggested. Each section contains a list of issues to consider as decisions about where to live are made. The second section discusses many of the critical financial decisions that need to be made in the event of unexpected occurrences. It covers managing taxes, obtaining and using credit, using public benefits, purchasing insurance, appointing people to act in one's behalf, and planning to protect survivors. The third section discusses health care decisions, including health care options of agreeing to treatment for illness, resuscitation, life support systems, nutrition and hydration, and hospice care. Living wills and durable power of attorney for health care are reviewed. The last section presents planning steps, action steps, and advice on talking to one's family and friends. Suggestions on people to talk to and resource lists are included. (ABL)