<prompt> Human: She also gets about 1,100month from Social Security. She can barely scrape by with the 1,100month but will need to withdraw money from her savings almost on a monthly basis to live a more comfortable life.Edit 1: I realize that its not a lot of money. Many of you are pointing this out in the responses. I am simply asking, what should she invest it in? Bonds? High dividend stock fund? High-yield savings? Thanks.Edit 2: Wow, thanks to everyone for your thoughtful responses. I appreciate it.Many of you mentioned that she should buy a cheaper house somewhere else. The reason she is now in the DC area is because that is where my wife and I live. She moved down to be near us. The condo was actually much cheaper than her old house which is how she was able to save the 100,000 from that sale. The condo she bought here is basically as cheap as they get in the DC area. Before moving down, she had no savings what-so-ever and I was helping her pay her expenses beyond what she could afford with social security. Her cost of living has actually gone down since moving to the DC area, and it is a much more pleasant place for her to retire with lots of interesting activities for seniors. Another advantage of her living close to us, is that when my wife and I eventually have kids, we will pay her to watch them for us while we are at work. That will significantly increase her income, and also allow my wife and I to save some money.I received some great advice on what to do with her money. I am thinking I will probably advise her to put it in a lower risk bond fund that pays out monthly dividends with minimal exposure to stock funds, along with a simple high yield savings account. A 4-5 target withdrawal per year seems reasonable.Buying an immediate annuity could potentially be a good option as well. I will definitely look into it.When she runs out of money down the road, I will either supplement her income myself or have her move in with me. We will cross that bridge when we come to it.  <response>: As a very rough rule of thumb, planners use the 4 rule: You can start withdrawing 4 of your retirement savings each year. Thats your salary from your savings, and you can adjust it with inflation. With a balanced portfolio of stocks and bonds, youre unlikely to run out of money. So as a ballpark figure, she can afford 333 per month. BUT: I would consider that a maximum, not a good amount to withdraw. The figure is based on 30 year periods from the past century. At 58, your mother is likely to live more than 30 years. Also, I think its unlikely that US stocks and bonds will match the last centurys performance for the next 30 years. If at all possible, she should work more - even part-time would help. But if shes collecting social security at 58, Im guessing shes disabled, and working might endanger those benefits. Thats tricky, and I dont really have any expertise in this area. Of course, its all moot if she really cant work at all. 