Whether planning for rental income, kids coming home, or staff to take care of you when you are old, a separate apartment is a good idea. The Perot's house in California had a nice setup where their living was all on the main floor (7 bedrooms and all!) At the end of the hallway was a door that led to a flight of stairs. The only thing on this second floor was a 2 bedroom apartment complete with full bath, kitchen, dining room and living room. This is where their hired help would live so they didn't have to go to a rest home when they got old and couldn't do stairs.
I remember how the doors were all solid wood and had beautiful door lever hardware.
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