<prompt> Human: I know most people dont pay for this, but I likely will. However, my parents do live with me and probably will for the rest of my life since we get along and it makes for an easier financial life. My parents never saved for retirement and they are both smokers, so I am concerned about their end-of-life care. Im not sure how I should be financially prepared for that future.Currently I am a senior in college and my earning potential will be around 35-50K when I graduate after a few years West Virginia. Im currently single, but I do think I will marry someday, so its possible I will be supporting in-laws too as long as they arent convicts or drug dealers.Now the good news is I wont have to pay for childcare my father is a homemaker, and my mother does have a decent job nursing, so the years before her retirement should be pretty cozy and Ill have to make the most investments then. Judging by life expectancy calculators and paternal grandparents grandmother breast cancer and diabetes, grandfather esophageal cancer I expect my father to die in the next fifteen years or suffer a major medical event. My mother is bipolar, but her side of the family is generally free of medical issues before the age of 70. She does have a breakdown every few years though that results in hospitalization for about a week, and occasionally an ambulance ride. My father is 50 and my mother 46.With this in mind I need help figuring out how to approach their care in the best way possible. If my mother becomes unemployed, how do I pay for their health insurance? While my parents will live with me when they are on social security if they survive that long, how do I pay for nursing home care when I can no longer care for them in my own home? Also, while I am willing to pay for my parents retirement I cannot expect my future children to do the same for me, so I must prepare for my own retirement in tandem, meaning I will need to have enough for living expenses in addition to medical expenses.Suggestions? Resources? Advice?Assistant: My parents never saved for retirement and they are both smokers, so I am concerned about their end-of-life care. Im not sure how I should be financially prepared for that future.Generally smokers are cheaper than non-smokers, if you talk about health care. Sure, smokers get the awful and terrible diseases like lung cancer and heart attacks, so they cost a lot in a short period of time, but then they die. Non-smokers, on the other hand, do fine with their health until age 75-80 or so, but then they just continue living and living... And they need a surgery to replace a hip, and then one to replace an eye lens, and then they become so old that they need help to get showered, and they they need some medication, and then they need more care, etc etc. And of course they also keep eating and drinking and taking up space, etc etc. So in general it is known that a smoker costs less than a non-smoker, over their lifetime. YMMV, of course.PS: one sourceIm not sure how you can save up for their retirement etc. I would just start doing it; the good news is indeed that your costs currently are lower because you live with them, so use that advantage to save up money. Long term care insurance is a thing. Im not sure whether you can buy it for your parents, but of course you can let your parents buy it and pay them the premium if they cant afford it otherwise. Human: Thats an interesting fact. They have no intention on being on ventilators either so thats a financial plus. But they both have someone in their family, both grandmothers, that lived until ages 80 and 98 as smokers, so they could go either way as well.Ill look into that long term care insurance. I didnt even know that existed.  <response>: No intention I have a living will notarized and compliant with the laws of my jurisdiction or is this just hot air?Youd be surprised how family of people put on a vent react when it happens; often prior discussions are forgotten 