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[quote=Anonymous]My MIL is a good friendly person who is in excellent health as a 75 yr old and still has a long wonderful life ahead of her.

She was a stay at home mom with the occasional odd job but relied on her husband’s earnings and extreme frugalness to achieve a huge chunk of money that she passes on in the form of gifts each year to her children.

Her life has been relatively stress free as she now lives in an upscale independent living facility surrounded by amenities and plenty of healthy food options.

DH and I work full time jobs that can be demanding while also taking care of two kids, one of whom needs extra focus and attention on reading.

She often discusses how stress free things were for her as a parent who never really helped DH with homework and would let him roam free for several hours with friends in the neighborhood or how she asked the bus driver to pull up in front of her house to pick up DH to make it more convenient for her.

She seems blissfully unaware of inflation, learning losses, and the need to earn an income despite annual gifts of 16k given each year to DH.

I often feel like I am trying to convince her how imperative it is to hold a job and contribute to a 401k, but I just get puzzled looks.

How can I help her to snap into the reality of how complicated life actually is as a parent and citizen?

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