<prompt> Human: Im 27 yo, make 65kyr, and my wife 25 yo makes 40kyr. We own a house with a monthly mortage of 1600 and are on our way to owning 2 lightly used cars. We are financially stable 10k in savings and growing and both make more money than either of our parents ever did. We are both only children.pMy father makes 50kyr and my mother does not have a job and claims she cant handle one. They are both around 60 yo and currently rent an apartment for 1300mo. They pay 200mo for cable, 65week for food, and have 2 cars that cost 50week for insurance combined. My father does not have health insurance his jobs are both part-time, but he continues to smoke cigarettes and my mother pays separately for her own since she is unemployed. They are vague about their savings but Im surmising they have somewhere under 125k in the bank. pProblem: If something happens to my father, who is the sole breadwinner, will my mother be able to support herself given social security when she reaches the proper age? Or if he is injured and they both require support...my wife and I are stressing about howwhen we will have to support them. We are suggesting they buy a condo 100-125k price range at a 30yr mortgage to allow their monthly cost of living to go down. But they become agitated when we offer advice and refuse to changelet go of their current comforts. pTL;DR - 60 yo parents only one is employed are spending way too much on rent comforts, do not own property. Wondering which life changes would have the largest effect on their ability to save money for retirement. Thanks!!  <response>: my grandma was like this. she refused to let anyone help with her finances. basically all that will happen here is that you will have less money and they will still be difficult and combative and not appreciate your help. 