Planning Ahead / Sad Rant

A question for those of you who live alone and don't have much support - how are you approaching the unpredictability of MS?

I'm single, approaching 40, don't have kids, live alone, don't really have friends (or ones I can count on). My mobility and cognitive functioning has been affected quite a bit over the last six months and the unpredictability of this disease is becoming pretty clear. I haven't been well for a long time, but I'm at that threshold where I need to apply for disability, I know I can't work full time, I'm isolated most of the time, fatigue is rough, I have fewer and fewer "normal" days, and I'm wondering what I'll do if I get *any* worse or get pushed past a certain point with no support system.

When I got diagnosed, the clinic emphasized planning ahead but it was all centred around assumptions - like that I have a partner, a car, own a home that can be modified, have a healthy family that has money, etc. Honestly, it made me so upset. All of the therapists seemed relatively privileged and viewed everything through the lens of their own experience.

A few years ago, I was still thinking "maybe I'll get married, maybe I'll have a family, I want to travel the world" but now I'm wondering, should I be taking note of care facilities as a backup plan? And be aware of costs? I really don't know what would happen if I can't take care of myself. Should I be preparing for that? It feels like I went from being an average person in my thirties to geriatric overnight. The other part of me just feels like I'll keep going until I can't and deal with situations when they happen, which may or may not be wise.

That's my sad rant. Any advice on how you're approaching this for yourself and making any type of backup plan would be appreciated.