<prompt> Human: My dad 65 lives off his social security and mom 57 is currently working. Neither has any retirement savings. Together they have a take home of about 3000month.Their monthly expenses that I know of:Mortgage: 2000monthCar Payment: 300monthCar Insurance: 130monthiPhones: 173month they also pay for my younger brothers phone as he is in college he also lives with themThis doesnt include food, nor their credit card debt, nor the money they owe in back-taxes. I really dont know what their total debt amounts.My mom confessed that they wont be able to make the mortgage payment this month.They are upside-down on their house and I believe they should be paying more on it, but have some sort of temporary reduced relief payment not sure what this is called. They also have a brand new car payment with a 15 interest! I had a baby about a year ago, and they gave us 2,000 as a gift. They gave us money that they clearly did not have. My parents are now actually even asking for this money back since they cant even afford their mortgage. I was really hurt by this to take money gifted to my son to have to return it. But I said whatever - I just want to get rid of my parents - and plan to give it back. The problem is that they are older. My dad has a few health issues and he is definitely out of commission job-wise. If he goes back to work, the IRS will actually garnish his paychecks so he is better off just collecting social security I think. My mom does not make much, but she is also getting closer and closer to older age and Im afraid what is in store for me... I am very nervous for their future, and how I will be responsible for them. Ive read some words about filial responsibility on here.Secondly - are there any welfare programs I can sign them up for? I signed them up for food stamps, but not sure what else. Adding to say - my parents just told me they dont want any of my advice anyway. They said dont worry about our problems...so maybe I should just let it be?  <response>: Your Dad could suspend his Social Security payments and go back to work. That should result in a higher income now as well as higher SSI payments later.Simply put, like so many others, your parents cant afford to be not working in their retirement. They need to increase their income andor reduce their expenses in order to survive, long term.You will probably have to begin telling them No in response to further requests for money. If they dont make any change, your parents will lose their house. Dont give them money that will only put off the inevitable. 