<prompt> Human: Some background, Dad is 48 years old, so he has plenty of time to set something up. His income is spread out through multiple sources. He has personal income as a nurse about 35k, a small health clinic 60k, and a consulting company that has no employees or building maybe 20k. Really rough estimate but well put it at 115k USD.Because his work mostly revolves around seniors, Medicaid, and Medicare he is worried that a retirement plan will count as income and he will be less eligible for benefits later.I know just putting money into a basic savings account for 30 years is generally not a good idea. I would love to hear some suggestions EDIT: Since everyone is trying to kill my dad, in his defense he moved here from Cuba at 35. He went from being a surgeon to a gas station cashier, none of his degrees or credentials transferred. He only recently finished school and opened a business. None of these financial tools exist in a shitty dictatorship, so hes been mostly unaware all this time.  <response>: So let me get this right. He makes 115k. His lifestyle is such that he is only able to save a few thousand a year. His goal is to be so poor that he qualifies for some measly Medicaid benefits at retirement.I dont even know where you should start with this level of backward thinking. Sounds like maybe going to a financial advisor and having an independent party go through the birds and the bees of financial planning conversation. 