We moved to a care center in Thailand in our 70s. It's like an insurance policy for whoever is left.

We moved to a care center in Thailand in our 70s. It's like an insurance policy for whoever is left.

Amanda Goh/Business Insider.

This as-told-to essay is based on a conversation with Peter Millard, a 78-year-old retiree living in Chiang Mai, Thailand, with his wife, Rita. It has been edited for length and clarity.

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