<prompt> Human: I am 22, my parents are each 45. I am not very knowledgeable about investing and planning for retirement which is why I frequent this sub, but I found out recently that my parents are not investing for retirement. I worry that it is entirely too late for them to make any sort of worthwhile progress on this now.Is there something that I could do to help them start planning? What information is it that I need from them in order to help them make better decisions?Essentially where should I, and in turn they, start?  <response>: Are they not saving because they just dont care to or is it because its outside of their means? Im 21 and my parents are in their early-mid 40s and theyre really struggling financially theyre both immigrants too. I cant blame them for not teaching me about money and finance when both of them are pretty much living on a paycheck to paycheck basis. And I dont think they buy things they cant afford. 