<prompt> Human: My husband is worried about whats going to happen to his parents, now in their mid-late 50s. Neither of them went to college and they were paycheck to paycheck for most of their lives. 10 years ago, they went into debt to buy a business that is now doing pretty well.They hope the business will eventually provide a passive income stream, but theres really no guarantee that will happen. They have nothing else saved, and my husband estimates they owe over 500,000 on their house.They recently traded in their Toyota for a luxury car. They arent bad people, but they clearly are living beyond their means.My husband is the responsible one and has a good job, so I think theres an implicit assumption hell take care of them in their old age, although theyve never said anything about it.Should we try to talk to them about this? They can do what they want with their money, even if we think its dumb and irresponsible, but Im worried well end up paying literally for their choices down the road.  <response>: I work in elder care and I see this all too often...families will wait to discuss uncomfortable topics until there are very few choices left for them. Your husband should talk to them. As their child it is not likely they will be interested in taking his advice about financial issues but he can ask what their plans are. A great question could beMom, what is your goal for retirement? What would make you the most happy? Try to steer clear of if I win the lottery topics and bring them back to what their real, tangible goals are. Also, try asking them for advice on how to save for retirement, not because you need it, but because it will get them thinking about it. 