<prompt> Human: My mom isnt saving any money for retirement and Im really worried and annoyed at the same time. She could have saved money she just has awful money habits and never saves. I know there are filial laws in several states inclouding the one she lives in that say the children of parents can be forced to pay for what the parents cant afford and Im very annoyed that her bad habits will put me in debt if the court orders me to pay her nursing home bills. What are get options? Does she qualify for medicaid? Will that pay for her nursing home? She has 15 more years into retirement but Im worried social security will dry up by then. I talked to her about getting a 401k but she says she doesnt trust her employers with her money. Im at a loss as to what to do and assuming she doesnt save anything, which is likely, what can I do to keep her off the streets and keep me out of debt?  <response>: Does she own a home? Maybe a reverse mortgage would work for her. 