<prompt> Human: So Ill try to keep this short but I need some insight and suggestions. I admittedly dont have a lot of the details, but I have enough to be concerned. My mother in law 62 recently told us she plans to retire in April because shes sick of her job. I asked a few questions because I just dont see how its possible she can retire and have enough money to make it more than a couple years. I dont know her exact salary but I cant imagine it is above 35,000. Basically, she plans to use her 401k and social security to live off of although she doesnt have any savings to speak of. Apparently the only thing stopping her from retiring in her mind was the insurance situation so she said she plans to sign up through the marketplace because apparently there is a plan thats inexpensive enough. That was very concerning to me considering how unstable that may become in the near future.She has a high school education and has been working essentially as a receptionist for the last 15ish years. Before that she didnt work any jobs that would have contributed to a 401k that Im aware of mostly working for her ex husbands small business and cleaning houses.I suggested that she just find another job that she does like so shell be in a better position to retire but she thinks shes just going to go get a part time job once she gets bored at home. I also suggested that she meet with a financial planner or someone who can go through her finances with her to see if she really can retire or not. Is that something a financial planner even does? What can I suggest to help her see that she isnt in as great of a financial position as she thinks she is? I dont want her moving in with us when she realizes shes broke!!  <response>: Honestly Id stay out of it. She probably knows she cant do this but doesnt really want to work. Theres probably nothing you can say that will change her mind. But when she comes begging for money youre going to have to firmly say no. 