Seth has moved frequently during his life and now lives in key west, florida. He works as a bartender and owns a small home. He has spent most of the money he has made and continues to do so. Seth’s brother, colin, is very different. He finished graduate school and has saved as much as he can over the years. He owns a small business that he operates with his family. He is by no means rich but is certainly upper middle-class. Who needs long-term care insurance?.