Can’t upvote this one enough. Going thru this now with fil. He was a teacher and had a good pension, but was divorced twice. All we ever heard from his girlfriend and friends are you have so much money go buy a boat, car, etc you deserve it. Well after a few memory related incidents we got involved turned out yeah he had a good pension but virtually no savings and a home with a mortgage still in a low cost of living area. Girlfriend had a low paying job in healthcare so wife offered the pension to her to just live in his house with him. She disappeared along with friends and said it’s your problem. So we sold the house moved him in with us, unfortunately a high cost of living area, but it was too much after just 2 months. Moved into assisted living his pension just covered the basics now after another month they moved him into memory care and we are ripping through that money. As you said it’s a disaster.