<prompt> Human: Hey PF. Like the title says, I could use some advice. Im 29f, and finally in decent financial shape paying down student loans quickly, decent emergency fund, 401k and Roth IRA contributions every month, but my parents are not. Through a series of events including the 2008 crash, job loss, helping to pay for college for 2 kids while not prioritizing saving for themselves, they are both approaching 60 relatively unprepared. I dont know too much about their assets because they dont talk about those things, but I know they will be paying their current mortgage until my father is 80, and have about 50k this is a just a guess, but not a conservative one in savingsother assets that they are determined not to touch in case of emergencies. My mother is still in good health but my father is diabetic and has had one battle with cancer. How can I talk to them about the future? Thee few times Ive brought it up, they seem resistant, and I know my father is simply planning to never retire. I want to be there for them, and I know that I need to be prepared. I dont want to wait until it is too late and I was wondering if there were any steps I could take now to help prepare them and myself financially for the impact of unplanned retirementother life events?TLDR: My parents are approaching 60 with little saved for retirement. How can I speak frankly about this with them, and is there anything I can do to prepare for my fathers potential unplanned retirement or other life events?  <response>: Couple of things: remember that you are the child and they are the parents in this relationship. Theres very little you CAN do without their permission or request. My parents never had these conversations with THEIR parents and are suffering the consequences currently. And yet, when I try to discuss with my parents what their plans are to see if we can avoid a similar fate, the conversation doesnt go anywhere. Maybe theres an estate planning Reddit that could help? Bottom line: you parents will probably work as long as they can, start collecting SSI when they are 65, and use Medicare to cover medical costs. Hopefully they will be able to pay the house off and reduce their living expenses, but if either one needs long term nursing home care, I believe Medicaid gets a portion of the value of the home once theyve passed away, so dont count on inheriting the house even if it is paid off. 