<prompt> Human: My mom 53 has decided to throw away the past 10 years of her life screwing mine along with it and to basically waste whatever future life she has left.Even though she has a BS in Computer Science albeit 1990s CS, she hasnt had a CS job since the early 2000s, and her most recent job 2 years ago now has been at a deli serving food. She quit that job to go on disability since she cant walk but that doesnt stop her from walking across the street to the store and carrying groceries back. She seems more interested in working the system and being a layabout.Absent a lottery win or a giant lawsuit settlement, I fully expect her to have no significant assets upon death no car, no house. Shes the only family I have even though were not that close, so when she dies, thats it for me. Im not in a place to take care of her as she gets older and I couldnt even afford to pay for her funeral right now not sure anybody would show up.Should I get a life insurance policy on her before its too late?  <response>: Youd be better off just putting what youd pay for insurance premiums away in a savings account. 