<prompt> Human: My mom does not have anything substantial saved for retirement -- maybe 10,000. She just bought a new house with a large downpayment, but she has a 20 year mortgage with a little over 1,000 per month. She has always worked for small, private businesses, and has never had a 401k or pension plan. Im 19 years old, in college, and have no idea where Im going to be in 10 years. There isnt any other family to care for her, so it will be up to me to figure things out if things go wrong. She has always been pretty irresponsible financially, so this is really freaking me out. How worried should I be? If this is truly as crazy as it seems to me, what plan should I make? Thank you  <response>: There is nothing you can do except not make the same mistakes she did. 