<prompt> Human: About 5 years ago my parents divorced and it are up pretty much all of their savings. They have never been very well educated with finances so their savings consisted of just money in the bank as far as I know no investments, and I dont think much ever went to retirement either.Anyways, they are both getting older mom is mid 50s, dad upper 50s, and they both have essentially zero savings. I dont think either of them has put much thoughteffort into trying to save either, so Im worried about them for when they reach retirement age and dont have the means to retire. Im unsure how much they make, but I know neither of them make a ton. They have enough to get by, but not a lot beyond that. IIRC, my mom said over 50 of what she makes goes to her mortgage each month. Does anyone have any good advice for helping people like this? I know time is really your best friend when it comes to savings, and unfortunately it seems theyve run out of most of theirs. Any tipssuggestions would be greatly appreciated.  <response>: Make sure your home has a spare bedroom. With two beds, I guess. If they didnt save while working, theyll have to scrape by on Social Security in old age. If theyre pushing 60, and have spent every dollar thats come into their hands so far, I doubt theyre going to change now. 