We do not know the details of what they were thinking for their own pros, cons. The men didn't want to be told what/when/how/why etc... by child/child-in-law, and preferred their own house. They both died and left their women behind. One set were USA medicare eligible -- and retired in America. The widow lived only 3 years longer, in the same home. She had friends to go to lunches, walks, movies, chat, and play cards. There were organized group exercises. One set retired in India (2nd tier city, and son/DIL lived in the same city). The widow moved to Singapore (daughter's flat, grandchildren were in college, but day-scholars), and lived out the rest of her life. They had plenty of relatives in town. Caution: Unregistered (with social welfare department of the local government) private retirement homes in India have been involved in scandals of mistreatment of their clients, and shortchanging services, and facilities. One must exercise due diligence, as well as have a reasonably close relative of the retirees living nearby for updates on the wellbeing of the retirees, no matter which country. Women have to prepare to live longer at the very end of life. Early preparation would help a lot. It is not at all helpful for girls to ignore (& depend on husband for) money management for the family.