I’m not afraid of dying alone.

If you’ve followed this blog, you might be thinking, “Lils, that’s easy for you to say. You’re not really alone. You’re in a living-apart-together relationship. You’ll have someone there when you get old.”

But the truth is, that’s probably not going to be the case. Given the significant age difference between my partner and I, it’s likely  I’ll spend the last decade or more of my life alone.

But this honestly doesn’t scare me. And I’ll tell you why.

But before that, I want to give you some honest tea: Writing a blog series on spinster death was hard. Not because I had to face my own mortality (I already had my advance directive and burial plan). But because I had to face the fact that I might actually end up dying alone. Not alone as in, “All my friends are dead,” but alone as in, “My friends are still alive and no one wants to be there for me.”

Who Will Take Care of Me When I’m Old?

When I made my advance directive, I asked my LAT partner if I could name him as my healthcare proxy.  He said he was uncomfortable with that. He didn’t want to be the one to “pull the plug.” That was reasonable, so I turned to the next person I trusted most.

My best friend is two years younger than I am and in good health, so she had a reasonable chance of outliving me. But her beliefs about end-of-life care don’t always sync with mine, and I had some reservations about how ethical it would be to ask anyone, even my bff, to do something (i.e., pulling the plug) that might violate her own ethics.

I could have asked my grandmother, and I believe she would have accepted. She would definitely have followed my wishes. She and my late grandfather both wrote living wills to ensure they’d have natural deaths. And, when my grandfather became terminally ill, she defended his right to die at home when he could no longer advocate for himself.

But the odds of my grandmother outliving me were low. Besides, she’d already had to do that for my grandfather. Wouldn’t it be pretty rough to have to argue with doctors to allow her young granddaughter to die? I didn’t ask her. It seemed wrong.

Honestly, realizing I had no close friends or family willing to do this for me made me feel very lonely. For a few, brief moments I wondered if all the dire warnings about dying alone might have been legit. It was a pretty tender spot for a bit, and I wondered how (or if) I’d address it when it came time to write this series. Would I have to admit that, after all, this lifestyle could mean dying alone and unloved?

Married Couples Fear the Reaper, Too

It didn’t take me too long to realize that, in fact, this was not a spinster problem. Few people, at least few Americans, are comfortable with death. It’s especially weird for a younger person in good health to fill out an advanced directive. I asked myself, if my S/O and I had been married, would he have been any more comfortable accepting that?

Answer: Of course not. Getting married doesn’t suddenly make you chill with Death and the thought of losing a loved one. After thinking about it, I realized the only reason this process is different as a single is because you actually have to sit down and talk about it.

If my S/O and I were married, he’d have automatic power of attorney. But he’d still feel uncomfortable in that role.

Realizing that made me feel less alone and unloved. Death makes people uncomfortable. Handling medical issues for a sick and unconscious person is uncomfortable. And being tasked with pulling the plug is, for most people, really uncomfortable.

Nonetheless, it left me with an important question: What will keep me from dying alone?

But Seriously, Who’s Going to Take Care of Me?

Let me quickly say that at no point did getting pregnant, having a baby, and binding that child to me through filial obligation and guilt in order to coerce them into performing these tasks for me seem like a good way to avoid dying alone.

For the time being, I’ve named my dad as my healthcare proxy. As I’m only 32 and in pretty good health, it’s unlikely he’ll have to fulfill that role. In the future, I’ll likely update it. At the moment, I don’t know who my new health care agent will be. But I feel better with that uncertainty that I’d feel as a mother wondering if I could count on my kids to care for me. Wondering if they would respect my wishes, or if I would, like so very many mothers, end up abandoned in an assisted living facility or left to slowly die alone in hospice.

Why This Spinster Doesn’t Fear the Reaper

(Or, the reasons I’m not afraid of dying alone alone)

First, I’m not afraid of languishing in a nursing home, neglected by underpaid and frustrated staff.

I’m laying money aside for my own care in my later years. I’ve got a living will, and I’ll continue to update it as I age and my life circumstances change. Instead of paying some $235,000 (or whatever the current cost of raising a kid, sans college, is) on raising a child, I’ll put that toward my end-of life care.

Again, it goes without saying that none of us knows the future, and even the best-laid plans can go awry. But that’s true for everyone, not just single people. I have seen too many people of moderate means with large families propped in a corner of a senior center, forgotten by the outside world to believe that I’d be immune to these troubles if I weren’t single.

Second, I’m not afraid of being alone.

I don’t see myself as being so unlovable that I won’t have any friends. I talked about hiring a death doula in the last post, which is yet another reason I’m not worried about what will happen if all my friends and family die before me.

Third, I’ve prepared.

You might think it’s tacky of me to talk even more about money, but you can’t have an honest discussion about death without addressing this issue.

Our grandmothers learned the importance of financial independence within a marriage, so they would never be left stranded should their husbands leave. They held part-time jobs and kept their nest eggs. Our mothers learned the importance of having a good-paying job before (and often during) marriage. And we’ve learned the importance of truly standing on our own two feet. Equal to—not dependent on—a partner.

As long as we live in a world that runs on money, finances are vital to self-reliance. Feeling too ashamed to save up for yourself just makes you a burden to someone else later. Taking charge of your own finances, career, life, and death is empowering.

Why I Made This Series

It’s not because I fear death that I make plans for it. This is hard for me to explain to some people. Some of my friends insist that I’m worried about dying, but they couldn’t be further from the truth. I think they’re worried about death because they refuse to look at it.

Planning for death isn’t like planning for a worst case scenario. You’re going to die. Avoiding death preparation is like knowing that you have a conference in another state and refusing to get a plane ticket, pack your clothes, or make arrangements for your pets. The person who does all of these things in advance isn’t worried; they’re just sensible.

Don’t worry about dying alone. Do future-you a favor and make arranges for your own end-of-life care today.

‘Designing your death?’  you may be thinking. ‘Is she really writing a blog on how to die as a lonely, old woman?’ Don’t worry, I’m not. I’m simply telling you how you can plan for your death so you won’t fear dying alone.

Contrary to popular belief:

1. You don’t need to get married and have kids to avoid dying alone.
2. Getting married and having kids won’t prevent you from dying alone anyway.

I touched on this in the last blog, but the jist of it is this: Spouses die. Children bail. As I’ve said before, you’re not so unloveable that only a ring on your finger and a bun in the oven will save you from dying alone. You have, or can have, friends and family who love you and will stay by your side when the reaper comes calling.

{This post contains links to death-positive resources. Please read my affiliate disclosure here.}

But What if You Are Alone?

What if, when your time comes, you’ve outlived all of your close family and friends? If the vision of lying abandoned in a sterile room, gasping out your last is clouding your vision, relax. Let me take you through a recent discovery of mine that may change the way you feel about dying ‘alone.’

Personally, the thought of being surrounded by my loved ones as I leave this world isn’t actually a comforting one for me. I know it sounds strange, because dying alone is such a deep-rooted fear in most people. And while I wouldn’t want to necessarily die alone, dying before an audience is—for me—the worse of those two extremes.

I don’t want to spend my last moments nervous and uncomfortable, trying to comfort other people. So what’s the solution for someone who doesn’t have anyone left, or who simply wants to be cared for (instead of doing the caring) on her death bed?

Designing Your Death with a Doula

As I was preparing this blog series, a new upload to the Ask A Mortician YouTube channel showed me a third option.

I’d heard the term “death doula” in Doughty’s book Smoke Gets In Your Eyes, but I hadn’t paid much attention to it. But listening to Alua Arthur explain what she does, I felt an overwhelming sense of recognition. “Yes,” my mind seemed to tell me. “That’s what I want my death to look like.”

I know many people will look at the idea of hiring someone to show you kindness in your final hours as a pitiable situation, but I don’t. Caregiving is a valuable service. I’ve advised people to consider the possibility of hiring a caregiver rather than raising a child in the hope that it will one day care for you in your old age. I also love clear expectations and interpersonal contracts. So the idea of hiring a death doula to take care of me in a way that will make me comfortable (rather than the way that will make my family feel comfortable) looks excellent.

Now, at the moment, my death plan doesn’t include anything like this. I’m still in my early 30s and, thankfully, in good health. So if I’m to die soon it’ll likely be due to an accident. When I get older, or if I find out I’m dying due to illness, I’ll hire a death doula.

How to Go About Designing Your Death

In the last post, I talked about making your advance directive and formal arrangements for your funeral. You can include all of the plans you make for your end-of-life care in your advance directive. But before you write that all in, you’ve got to decide what you want.

This blog is simply about designing your death. Think about what you want it to look like. Is your family surrounding you? Are your pets there? Are you at home, in a hospice center, or somewhere else? Remember that you might not be able to express yourself when the time comes, so it’s really important to plan ahead and write everything down.

Take a few minutes (or a few days) to imagine what you want your final hours to be like. When you know what you want, tell the person who can make those arrangements (your power of attorney or healthcare proxy, usually).

Selfish, Even in Death

“We should only think of ourselves in this life, of our own death.” – The Phantom of the Opera by Gaston Leroux

As a single person without children, I’ve been called selfish many times for many reasons. And someone will probably say that it’s selfish of me to make all of these decisions myself instead of letting my family handle my death as they want. And maybe choosing to die the way I want is actually selfish. Maybe excluding my family from my deathbed is an unkindness to them. But, because I wouldn’t begrude anyone I love the opportunity to die as they like, I won’t withhold that from myself. Death is the one thing that has been guaranteed to me in life, and I believe it’s a deeply personal event. To me it seems more personal than getting married, having a baby, or even being born.

The way I see it, designing your death the way you want to is your right. More than that, it’s liberating. It takes a little bit of background anxiety out of your life.

What do you think? Is this just morbid, or is it an act of self-determination? Let me know what you think in the comments below.

If you’re still a little uneasy about the idea of dying alone, stay tuned for the final installment of A Spinster’s Guide to Death, coming out on October 31st.

You know why you need to plan your death as a single woman. But do you know how? In part 2 of A Spinster’s Guide to Death, I’m going to tell you how to plan your death as an unmarried, childfree woman.

Why This Is a Must-Read Blog

Let me be clear. You could go get a book on estate planning to learn how to plan your death. In fact, just about any estate planning book would give you more of the nitty gritty details than this blog post will. The only reason I think I’ve got something of value to say on the matter is because I’m writing specifically for single, childfree women.

The solo death is a sad one in our society. It’s so feared that some of us prefer to ‘settle’ than to risk dying alone. But let me tell you, it’s all a sham. If you’ve ever visited a nursing home, you know that it doesn’t matter how many husbands you have or babies you pop out. Anyone can die alone. And, in my opinion and individual experience, it’s the women who depend on others to care for them in their old age who are most likely to end up abandoned.

Caitlin Doughty talks about the fear of dying alone in her “Ask a Mortician” YouTube series:

As a solo woman, you actually have an advantage when planning for your death. And not just because you get to avoid the drama of leaving your estate to your children or making sure your spouse doesn’t get your inheritance. It’s because you get to make your own decisions instead of hoping someone else will do everything for you. As I mentioned in Part 1, there’s a lot of comfort in that.

How to Plan Your Death

When it comes to estate planning as a single woman (if you’re thinking, “Estate planning? I don’t have an estate,” listen. Even if you’re poor as a church mouse, you’ve got to plan your living will and make arrangements for your pets and your own funeral. That’s estate planning), there are really only three main documents you need to prepare.

But before we dive into this, I recommend you:

• Make a cup of tea
• Get a notebook or open a word file
• Sit down in bed

Learning how to plan your death isn’t going to be as nerve-wracking as you think. I promise. Planning your death is like doing your budget: You can make yourself sick worrying about it, but once it’s done you feel far more in control of your life (even if your checkbook is in the red).

{Let me put a quick disclaimer here. I am not an attorney, a financial adviser, or involved in the death industry. This guide is simply meant as an introduction to and a jumping off point for planning your death as a single woman.}

#1. Advance Directive (Living Will)

No matter who you are, you’ve got to arrange your advance directive. But if you’re a single woman, you’ve really, really got to set up your advance directive. I talked about why this is important in Part I, but here’s a quick recap: You can’t just depend on your (non-existent) spouse to figure out your wishes once you’re incapacitated. For that matter, you can’t really count on your parents or next-of-kin to do what you want, even if you have made your wishes clear (and let’s be honest, most of us haven’t). I don’t know about you, but I don’t want to be in a coma while my family (including those members who don’t like me) squabble about whether or not to pull the plug. That is my decision.

#2. Pet Trusts

I wish I could tell you I’ve cracked the code on writing water-tight pet trusts but… I can’t. The truth is they’re complicated and they vary from state to state. But if you’re not familiar with the concept, here’s the jist of it.

Setting up a trust is kind of like taking a little piece out of your estate and setting it aside. When you die, anything that’s in a trust can go to whomever you’ve left it to right away. It doesn’t have to go through probate, which, in the case of a pet trust, means your pet isn’t hanging out in limbo.

What makes pet trusts a bit trickier than a money-only trust is that you’ll probably want to include your pet (legally considered a piece of property), money (if you have it) and some explicit instructions on who gets the money and how they can use it. Let me show you a few scenarios.

Scenario 1

Let’s say your best friend has agreed to take care of your cat should you die. You want to make sure your cat gets the right treatment, so you figure how much money it’ll take to care for your pet (food, grooming, vet bills, etc) and include that in your pet trust. You decide to name an executor (usually a lawyer) to be responsible for the money. The executor distributes the money in yearly or monthly increments instead of giving it to your friend in a lump sum. You include specific details regarding how often your cat should be taken to a vet, what type of exercise she’ll get, and what kind of food she’ll eat.

Scenario 2

Now let’s say you have a parrot who’ll likely outlive you. You can’t leave him to a friend, because your friends are all close to your age. You decide to make a particular bird refuge the beneficiary of your pet trust upon your death.

Then you change your mind and decide that, if you die young, your friend will take care of your bird until she’s unable to. You include instructions in the trust stating that your bird will go to the bird sanctuary when your friend can no longer care for him.

You can do any and all of what I’ve just described. Right down to deciding which brand of food you want your pet to eat, if you really want to. However, I don’t recommend trying to set up a pet trust, even a simple one, without a lawyer. It’s not a DIY kind of thing.

#3. Burial and Funeral Arrangements

Choosing what becomes of your remains takes a huge weight off of your surviving friends and relatives. It can also give you a sense of peace. This information is often included in your advance directive or your will. However, you can go so far as to purchase a spot at the funeral of your choice and sometimes pre-pay or your funeral service.

The natural cemetery I’ve chosen for myself doesn’t offer pre-payment (known as a pre-need account), but they do have a form future corpses can fill out. I’ve got a copy of mine with my advance directive. Because it’s a natural cemetery, I have no casket to buy and no embalming or cremation to pay for. I just have to make very clear guidelines in my advance directive about what may and may not be done with my body. For example, my body must be refrigerated (not embalmed) and transferred across state lines to a funeral home that works with the cemetery.

It seems a little complicated, but it’s completely do-able.

How to Set It All Up (Death Planning Resources)

Okay, so now you know what you need. Now how do you get a hold of these forms and make sure they’re legitimate? I’m glad you asked.

Online Legal Forms

Websites like Legal Zoom and Rocket Lawyer are inexpensive sources for all of your death planning forms. If you use these, I highly recommend taking your finished forms to a lawyer to have them look over everything. It’s less expensive to pay for a lawyer’s seal of approval than it is to have them draft the documents themselves.

Everplans

Let me say right off the bat that I’ve never used Everplans and don’t know whether this is a worthwhile subscription service. However, they do have some free resources, include advance directives by state. They offer to “securely store wills, passwords, funeral wishes, and more in your own secure and shareable vault.” Have you tried them? Let me know what you thought in the comments below.

Local Lawyers

They’re much more expensive than the resources listed above, but they’re also much more reliable. If you have the money to go to a lawyer and have them arrange your will and trusts, go for it.

You can also always call a funeral home and ask them how you can set up a funeral plan with them. Don’t underestimate the power of simply asking questions, even on a macabre topic like death planning.

How to Plan Your Death Day

Everything I’ve talked about in this post deals with what happens after you die. But we can’t have a full discussion about how to plan your death without talking about your dying process. This is the part that scares people. This is the reason that people marry when they probably shouldn’t and have kids that they don’t really want. And not just single women, but the majority of all human beings. In Part 3, I’ll get into how to plan your death process.

Remember, none of this is as scary or overwhelming as it first seems. If the thought of dying alone makes you feel uncomfortable (or terrified), come back next week.