<prompt> Human: Background:My parents are mid-50s. Dad is self-employed, mom has never had a job shes been a SAHM for their entire marriage- I have a disabled sibling that also lives with them and requires care. They have no retirement account and no savings. They likely wont receive any social security due to the fact that they owe a substantial amount in unpaid income taxes. Dad still works, but his industry is one of the ones that is currently slow, and he has been out of work for 6 or so months. At some point in the fairly eminent future, the responsibility for all three of them is going to fall on me Sooner rather than later if Dad doesnt find work soon. Spouse and I both have jobs- together we make around 100kyear. No kids yet, but we plan to have a few in the near future 2-4 years. Their current level of spending and debt is such that I could not support them on my salary for even a month given their current lifestyle. We have talked multiple times about the need for them to save money, plan for retirement, etc., but they are financially immature and I dont see that changing. Likely they will reach a point where they will lose everything and be forced into bankruptcy. Question:What would you do in this situation to help prepare for the added expense and difficulty of three adults eventually being added to your household? Tl;dr- how do you prepare financially to care for your fiscally irresponsible parents?  <response>: If its at the expense of your own financial security, you cant. 