<prompt> Human: So I learned in the last few months that my mother in law has absolutely nothing saved for retirement. She literally has about 30k and isnt actively contributing to anything. She turns 60 this year. Her plan is to work until shes 70 or 71 and then live on social security. Her husband who is 63 now has the same plan and same empty account. I already have more saved than she does and so does my husband. The idea of spending any of my savings caring for her at the end of her life makes me a little sick to my stomach. Im all about supporting family if and when I can... but supporting someone who set themselves up in such a position? I... cant even imagine. Her justification is that shed rather travel now while shes younger and healthier. And she travels a LOT. At least a few trips abroad a year and countless trips within the country. So instead of saving any money, she spends it on travel. Someone paint me a picture of what my future could look like. What happens to her if I refuse to pay or help in the end? What nets are there to catch people like this, if any?  <response>: If both of them wait until 70 to claim SS, you might be surprised at how much SS they will get. Some couples are pulling in 40-70k in Social Security. The lower earner might want to claim at full retirement age and later switch to the spousal benefit when the higher earner claims. 