<prompt> Human: Hi Everyone,nbsp;Recent lurker, and a great great fan of this subreddit. In fact, this is my favorite sub on ALL of reddit, even more so than all the cat subs I subscribe to! I know you all have immense aggregate knowledge, so any guidance would be appreciated! Sorry in advance this is going to be a long post.nbsp;Ive been trying to plan for my moms retirement for the past 5 years loosely but now its becoming more urgent as she turns 60. Before you all praise me, its really out of selfishness because if shes taken care of, I wont have to worry about her support her financially in the long run. nbsp;nbsp;So here are all the relevant facts: nbsp;-We live in California. My mom doesnt speak English fluently so is dependent on me to do some research. nbsp;- My mom turns 60 next year and is forced to retire because shes just getting too old for her job and cannot physically keep up. Her company wouldnt fire her but they require a lot of over time, which is too hard on her physically, she would come home so tired that shes nauseous. nbsp; - My mom has been making about 40Kyear for the past 15 years quite low for California.nbsp;- She has 80K in her company 401K She was only able to start contributing to a retirement plan about 10 years ago when I was a bit more financially independent. nbsp;- She should be eligible for my Dads Social Security benefits he passed away. The SSA lady informed us that if she starts withdrawing his benefits at 60, she would get about 1,100mo. If she waits to withdraw at 65, she would get about 1,300mo I forget the exact numbers, but something like that. nbsp;- For her own Social Security benefits, she would only get about 800mo at 60 and maybe 1,000 at 65. nbsp;- She owns a small condo in NV that generates 850mo in rental income. She plans to transfer the title to me when I get married as my wedding gift most likely within 2 years. Honestly, I plan to just give her all the rental income anyway, she needs it more than I do. nbsp;- She has a Roth IRA 8K and an IRA 4K that she doesnt know about because Ive been contributing to them in her name when I got my first job, knowing that she wasnt able to save for retirement to raise me. I will probably be able to put in a few thousands more before she officially retires. I also do her taxes every year so I make sure to get the deductions on the IRA contributions. nbsp;- She has about 50K sitting in her savings account shes a saver! Definitely my inspiration for also being part of rfrugal. nbsp;nbsp;So, thank you for getting this far, here are my questions: nbsp;1From which source of income should she withdraw first to reduce tax ramifications? What is the recommended order of withdrawal for most people? I was thinking she should withdraw from her 401K first for as long as she can then IRA then wait until 65 to withdraw from social security then Roth IRA? Should I roll them into one? I have no idea here. nbsp;2From whose SS benefits should she withdraw from? Since my dads account would give her more per month, should she just keep drawing from his account forever? Im guessing she cant withdraw from both. If she needs the money, should she withdraw from her own account first just to delay withdrawing from my dads account until shes 65?nbsp;3What is the most affordable option for health insurance. Since she cant get Medicare until 65, she will have 5 years with no coverage, Im guessing Medi-Cal? But will my dads SS benefits render her ineligible income too high? nbsp;4Will she qualify for low income senior housing if she has income from 401K or social security? Will her savings account of 50K count as an asset and disqualify her? Im going to try to get her on some wait lists because rent is insane here, and she will NOT be able to afford it once she stops working next year.nbsp;And lastly, if you were her, what would the smart people of rpersonalfinance do in this exact situation? Were not at all familiar with government assistance because for as long as weve been a low-income family, my parents were very prouddiligent in not relying on the government. But now that my dad is gone and my mom is aging, its prime time to at least know our options, because frankly, I dont earn very much yet and cannot take care of my mom financially if she needed me to. Im hoping to prevent a situation where she would need me to with proper early planning. nbsp;Thanks so much for reading, took me 1.5hrs just to type it out! nbsp;nbsp; EDIT: formatting this is my first post thats longer than a sentence  <response>: 2 From whose SS benefits should she withdraw from?She can actually get both - its a strategy called restricted application. Basically she gets Dads benefit starting at age 60, then switches to her own benefit at age 70. Her own benefit will grow 8 per year through that whole time, plus any additional work credits shes accumulating.It sounds like your mom cant really afford to retire yet, but she would be much happier with a part-time job. 