<prompt> Human: Im 32, and Im not well off by any means, but I make 46k and doing okay. The issues is my mother. Shes 53 and been a self-employed artist her entire life and while she did okay in the past, the kind of work she did took a lot of energy that she doesnt really have anymore. So as of right now she is completely broke, living rent-free in exchange for fixing up the house shes in and gets the rest of her expenses in a combination of state assistance and my credit cards. Shes trying to get started making money again, but its tough when she has never filled out a W-4 before and has no official employment history in 35 years of working, though she does have an impressive portfolio and resume. Her getting off my life support is a good short term goal, but Im looking long term now... she has never paid into social security, she has no retirement funds, her credit is around 530, she is blacklisted from getting checking accounts, and owes the IRS like 15,000 the other 50k or so has timed out I guess, so the rest will, too?. Far as I can tell, shes !. Which mean, Im !. Whats the best way to start preparing for this, even if its 15 years out?  <response>: You need to stop supporting her with your credit cards. Really the only thing you can afford to do is let her live with you when if when shes inevitably homeless. I dont think you are obligated to do that, but if you have a good relationship you might let her.Youre not doing okay if you have credit card debt, by the way. I think you need to start fixing your own financial problem, start planning to get to a place where you have no credit card debt, and start learning to say no to your mom. 