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[quote=Anonymous][quote]I'm not minimizing your post or question at all, but does your MIL have any retirement plan? If she's in debt now, what is her plan for later in life? My MIL also buys too much and is a hoarder, but not to the degree you experience. I am terrified her money will run out and people will expect our financially responsible family to take care of her. DH says it's not going to happen but I still worry.[/quote]

DH and I have talked about it, and this is something we seriously worry about as well.  My FIL is the one who manages most of the finances, pays the mortgage, etc. and money has always been a huge point of stress in their relationship--to the point know where they have completely separate bank accounts.  I think the only reason they haven't gotten divorced is a combination of their religious convictions and the fact that my MIL doesn't know how to manage money at all and she is scared of having to deal with bills, housing, etc. alone.  Oddly enough, like the other PP, my FIL is very frugal.  Right now they are both still working and they don't have any plan for retirement.  I think their plan is work until they are physically unable and then collect disability and live off of social security (they live in a low cost of living area).  I seriously foresee us and/or my two SILs' families having to take care of her in old age and the notion of having her move in with us is terrifying.[/quote]

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