<prompt> Human: Hi, everyone. Writing from a throwaway so I can give, and hopefully get, as much information as possible.My mother is 66 but still working and plans to work until she is 70. She lives alone in NYC and has a mortgage on a co-op that costs her about 1800mo total including co-op expenses. No major health issues to speak of yet but I know that the majority of her retirement income will be spent on health care in her later years. Ive estimated her food, gas, and household utilities costs to be about 1100mo and no other debts that I am aware of as of this moment. My calculations bring her total monthly liabilities to about 2900. I plan on having her live with me after she fully retires Im in a different, equally high-cost city so she can rent out her apartment and rely on that income in the future. What else can I do to ease her retirement? Would you recommend a specific strategy moving forward? Should she aggressively move her retirement funds into high-growth funds to take advantage of the market? I have my doubts about the last move as I believe this market is already too inflated. Thank you for your help! Edit: Thank you everyone! Comments were very helpful and confirmed my gut feelings. Ill definitely look more into the coop rules and potentially selling the place. THANK YOU AGAIN!  <response>: I plan on having her live with me after she fully retires Im in a different, equally high-cost city so she can rent out her apartment and rely on that income in the future. If shes in a Co-op the co-op rules might not allow her to rent it out. Better check to make sure thats an option if youre counting on that being a source of income for her. 