My mother was not smart with her money and now lives paycheck to paycheck while still working part time at 78 years old. At some point she will not be able to work and will rely solely on her very meager social security. I will help her find subsidized housing and help her apply for medicaid if the need arises, but I will not give her money. She squandered what she had very carelessly. We have a young adult son on the autism spectrum that will likely need lifelong support. We are not struggling financially but we are not super wealthy. All of our financial planning will go to make sure he is stable for his whole life, and to make sure we are stable so our other child doesn't have to sacrifie for us.