<prompt> Human: My mom is nearly 50 and refuses to start a retirement account. Shes been self employed her entire life so she doesnt have a 401k either. She believes her house is her retirement account, but the mortgage and other housing costs eat up well over half her income. Last week she told me she was going to buy a brand new Lexus and my heart sank.Im really worried for my mothers financial future and Ive tried explaining to her why I feel that way, but she gets really defensive each time. Shes a vain person and the appearance of wealth is important to her, even at the cost of her actual wealth. I saw this coming when the rest of her siblings who have similar spending habits all bought luxury cars within the past few years.Ive decided to sit down with her and show her some hard calculations so she can see the numbers involved. Is this going too far? Are there good instructional materials or core concepts that I should cover that you would recommend? English isnt her first language so any tips on how to explain things in a simple way would be much appreciated. Assistant: Are you planning on taking care of her when she is old and cant work? Those are the stakes here.Human: I would like to, but the career path I want doesnt pay well enough for that.  <response>: Well, my point is, if she doesnt save for her retirement and her contributions to social security have been spotty, you will end up supporting her, or feeling guilty about not supporting her because you cant or wont.x200B; 