I’m 39 and my mom is 78. Dad is a bit younger. Both don’t seem like they have many years left (honestly I wouldn’t be surprised if one of them goes within the next year) due to a variety of issues. It does suck. I get jealous of my friends whose parents are younger, who have more in common and can still do fun things together. And trying to think about what will have to be done for them soon, care-wise and with funerals. . . At my age I don’t think it was quite as common to have kids that “late” (literally none of my friends nor husband have parents this age) but I think it’s so common now that maybe younger kids in this position won’t think anything of it. But esp if you have kids late, plan as much as you can and save as much as you can for your own end of life stuff because even at my age not every child is financially secure enough/knowledgeable enough to take it all on. And be really clear about those plans with your kids so they know. My parents have planned for nothing and don’t really talk about it except to say bullshit like who gets a certain picture or something. It’s the least important part of their aging/death and now they are so caught up in being ill and miserable that managing their own departure is not on their to-do list. If you have a baby and start a college fund right away, start your own aging/funeral fund alongside it. It’s one of the kindest things you can do to take care of your child. Whether you have one early or late, I guess.