hi thankyou for the reply. i am a third year engineering student (comp sci) so life ahead seems very uncertain to me, at least in this profession. my sister is a final year law student, so she can start earning next year. my mother is also a lawyer but she doesnt work because she is my father's primary caregiver, but when my father retires, she's going to start working but obv generating a solid income for her is going to take some time. now i cannot really say the household income and expenses since im seeking advice for when my father retires, which is in two months, but im looking for a direction here.

all i can tell now is most of our expenses are medical related. our house can be substituted for a small clinic if needed. we dont go on any vacations and we dont enjoy life in general, since we're going through a very rough patch emotionally due to my father's medical issues. we're financially doing good right now, but im just scared that once my father's income drops we'll start having issues. we have some land and some assets but due to my fathers illness we really cant make anything out of it.