<prompt> Human: My parents are both 52 and dont have any retirement savings. They still have one more child to put through college who is currently 9 years old. Fortunately my dad works at a university and im sure he will work there until this last child is done to take advantage of the employee tuition discount for dependents. Although my dads employer has a really good 403b match, he told me he hasnt been contributing, and i dont believe my moms employer has a retirement plan, and i dont really know what they have in their savings. Regardless, I want to do this for them just so they have a little bit more whenever they decide to stop working. Any advice will help, from what funds to invest into, broker accounts, low expense ratioslow commission investments, minimum investments, will be helpful. From what Ive read in posts here, it sounds like low cost index funds are usually whats recommended but i wasnt sure if the timeline of 10-15 years will change that. Thanks!  <response>: Theyre irresponsible. You cant fix that with 100 a month. 