<prompt> Human: My mum is 56, shes never been good with money. Recently I sat down and went over things like super, healthcare etc with her to see what kind of shape she was in and it wasnt good. Growing up without a husband and with kids, she gave up everything for us and we never went without. Shes worked multiple jobs at times. Leaving her to live with whatever monetary consequences she gets herself into, isnt an option for me. She sold the family home last year and paid out the remaining mortgage which left her 70k cash. She is yet to do anything with this money. It is sitting in an account and she is slowly whittling it away, albeit being generous but not thinking of her future. Ive always been the most practical one in my family. My siblings seem happy to accept her generosity and I was at first until I understood the full picture. Ive tried to sit her down and explain, Ive tried to talk to them and get them onside but Im just coming off as the black sheep and noone is listening side note: my siblings are not users, my family grew up in the church and theres a big focus on having faith that God will provide, I dont prescribe to that view and am often seen as the opposition. My mother has whatever is left of the house profit and 50k in super thats a 401k for the US, I dont know why its so low, shes been working for 40 years. Short of actually getting anyone to see sense, what can my partner and I reasonably do at this stage to prepare for her retirement while still worrying about our own? Im in Australia so healthcare is not a big worry but she wont be able to work forever and has no concept of saving or investing.Assistant: Australia has an old age pension does it not? She should save what she can in the next 9 years, then collect the old age pension when she retires.Human: Yep it does which is a godsend. Right now she will have to work several years past retirement age to end up on probably around 30k a year - which wont go far at all in our city. I hate the thought that she gave up everything for me and I am left with the choice of sabotaging my own financial future or not helping her.  <response>: Bro. When shes retired theres no reason she has to live in your city. 