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Eldercare
Reply to "“I’m destitute, and I need you to solve this”"
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[quote=Anonymous]Is the house in decent shape? I would help her by doing some financial planning with her. She can stay in the house if she can pay the mortgage and insurance and utilities on just her SS alone. Can she? If not, she needs either to find government help for poor people to pay for heat, electricity... OR she needs to take in a lodger or two. Yeah, that can be risky, but you could help her screen people. She can be adamant that she doesn't want to take in renters but sadly, when you don't have a paid off house and you are 70 and your only income is SS.. there aren't too many options. Time for some tough love. You are supposed to have a paid off house by the time you retire, or else have a sweet next egg 401k that you can tap at 4% a year to cover the mortgage - that's Retirement 101. Point out to her that she doesn't have either of those things, and you and your sibling aren't able to be her nest egg either. She better start coming up with her plan.[/quote]
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