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[quote=Anonymous][quote=Anonymous]5k for 2 healthy people is easy.

But it's not going to pay for nursing care, so what they'll do is deplete their savings until they go to a Medicare facility. [/quote]

I posted the above. OP, just put your foot down and say that you won't help them. They have enough. And right now, they truly do. When they get decrepit and need cleaners/cooks/nurse visits/aides, that's when the family will have hard decisions to make about possibly helping them pay for aides to come to their house, to stave off nursing homes. It will depend on what ails them and what sort of help you can hire. Nursing homes can be 10K a month (!), so you need to tell them Medicare might be the only option here. Your first priority should be your own retirement and your children's college costs. Right now I'm looking at $30 to 82K colleges for my rising senior ($30K for meh in-state option and $70K for his preferred reach college). Just throwing numbers out there so you can wrap your head around your own finances.

I also agree with the others that it's not cool to dump on your MIL just because of the "doesn't work/spent a lot" combo. Your FIL has agency too and he chose not to use it.[/quote]

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