<prompt> Human: Parents are first generation immigrants to the States and never learned about investingretirement fundsetc. Consequently, I 26F have been trying teach myself so I dont have to suffer what theyre going through now. Theyve basically lost all of their wealth through unforeseen circumstances and now all they have is about 90k in cash. They have minimal income fathers SS and mothers part time job that covers their daily living expenses, plus my siblings and myself try to help out where we can. But is there a way to make their cash grow for the cross my fingers remaining 20-30 years of their lives, while still allowing us to access it in case there is an emergency of some sort?  <response>: If you want that 90K to provide a continued income over the next 30 years, youre probably looking at only being able to withdraw 3,000 a year.Is your father able to work? My advice would be to have both of them working full-time now while they are able. Expenses need to be drastically cut now, before they burn through the 90K. 