<prompt> Human: My parents have always been decently comfortable though I recently found out its because they have very little dedicated towards retirement. No 401K, no IRA, etc. While theyve been good savers here and there, they never realized the importance of investing for retirement. Im hoping to help them make good decisions so that they can live well after they stop working.They both currently work and my mother will likely be retiring in the next 2 years and my father in the next 4-5 years. My thinking is that theyre in a position where they can make some investments and hold off on touching the money immediately as my dad will continue working and theyll have savings 2000kish potentially coming in month to month. Assets for Retirement Savings around 200k Pension from government job 800 - 1400 or somonth depending on how long she continues working Social Security mother and father TBD likely at least 1400 - 1600 totalDebt Mortgage with 150k left to pay Car payment at 400month with 4 yearsSome potential options for them: Roth IRA into target funds to take advantage of the ability to invest more due to their lack of retirement savings Pay down housing debt more quickly Theyre interested in property as we live in the PNW though Im concerned about the risk and that its not liquidThese options still dont produce any additional income for them so Im hoping someone more knowledgable may have thoughts. Ive already recommended my mom to try to continue working to boost social security and pension, but shes climbing in age and its something she doesnt know will be feasible.Thank you!Edit: Its worth also noting that Im not currently in the position to do it now, but in 3-4 years hopefully I will be in a financial position to help supplement their retirement income. I wouldnt be where I am without them so I want to do what I can to help.  <response>: They cant retire any time soon, unfortunately. They would have to sell the house and car and downsize and live with much less expenses, but even doing that opens up the chance of financial ruin in the event of an uninsured emergency.Best thing to do is to go ahead and wind down their expenses, while simultaneously upping their retirement contributions and staying the course with work. 