My husbands parents are set. They both still work, but his Dad is a saver, they own their own house, plus 3 others, one being an apartment house. We all wish they would sell their rentals, because they are such a pain in the butt for them. The children have all said if left to them(which the surely will be) they will all be sold. His Grandpa is still alive and has a good savings too. Still lives at home. And he has a rental house.
My mother worked low paying jobs until she married my step dad, and was then a sahm, until they divorced. She didn't get a job again until I moved out. She has been a housekeeper for at least 10 years. She works for a non-profit agency, so she has no insurance, and is not old enough for medicare yet. So, social security for her will probably not be enough to pay her bills. There is no retirement plan at her job. She will probably have to live with one of her children, and since I am the only girl, it will probably be me.
I am not too worried about it. By the time she will need to live with someone, we should have the room. And I will hunt my brothers down if they don't help me out. LOL.

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"It is no use walking anywhere to preach unless our walking is our preaching."

-- St. Francis of Assisi

This is always a thought in the back of my mind.

My Dhs parents are not retired...yet. He just turned 60 and enjoys working. They could easily retire with no problems. I am pretty sure that there house is paid off (a long time ago).

My parents tho, are another story. My dad is a pastor - mostly small churches that do not pay enough for his experience etc. In fact there were times growing up that we were on food stamps - altho at the time I didn't know. I have never sat down and asked point blank but I don't think that they have enough to retire on. Dad got a small inheritance when his father died 3 years ago but still. My Mom talks about looking forward to when Dad retires and in my heart and head I am saying "yeah, right". But Dad is also the type that will always work in some way. He is 61 and acts/looks much younger but 3 years ago had a heart attack. So, I know that someday 1 or both of them will probably come and live with us. I've already tried to figure out in my head where we could add on to our house.....

My in-laws are fine, they have been retired for about 6 years, they are comfortable and watch every penny.

My parents are a different story--my stepdad is retired, he is 67, the company he worked for (for 48 years) went out of business 2 yrs ago so he retired then. My mom, 57, is on disability, she has only been disabled for 3 yrs. There home is paid for, they have no health insurance except medicare. Between the 2 of them they barely have enough money to meet their monthly expenses. They make too much money to qualify for any assistance but not enough money to survive. We usually have to help with their heating costs in the winter and when they were in the donut hole of the prescription drug program last year we helped. Their home desperately needed a new roof and I found a program that would put a new roof on their home and they are supposed to receive new windows this spring for free. They really didn't want to except the help, I had to insist they get the roof, I tried to explain to them that they have worked hard all their lives, have paid taxes and deserve a little help. Unfortunately I live 600 miles from them so I only know of the struggles they tell me about.

I have a brother, step-brother, and step-sister that live within 10 miles of them, not a single one of them offers to help. I could just choke all of them.

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DS-16
DD-12
DD-5
DS-2

I probably shouldn't even reply to this because some of you will think I'm heartless.

My nlaws are comfortably retired. My FIL had a stroke but came back from that to work part time at Target because he enjoys working.

My parents are a different story. My mother has not worked more than 2 weeks at any one job. She is the laziest woman I've ever met. They have no life insurance, no retirement, nothing. If she thinks she is coming to my house when my step father dies, she is going to be in for a rude awakening.

My dad was forced to retire from his company (went overseas) and my step mom is still working but she only wants to put in a couple more years. They will be fine!

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My dad served in the Army for 20 years and will be eligible for retirement from the Fed Gov't in 2 years, after working for them for 20 years, as well as his 401K so he's set. My mom is set as well.

I'm not sure about my inlaws, but I'm not worried about them living with us or expecting $$.

My parents and inlaws are quite comfortable and they enjoy their retirement. My mom actually still works part time, but she does it because she loves her job and not because she needs the money. I don't think any of them would ever want to live with us, but I guess we will cross that bridge when we come to it. Dh and I have each had grandmothers that lived in those retirement condo communities and they enjoyed that lifestyle very much, and I imagine when our parents are not able to care for themselves or their homes they will choose the same path.

Both sets are for me. But we used to worry about this with my FIL. He unfortunately will never retire as one of his other habbits was smoking and he died from cancer at 53.

No not worried until you hit the long term care stage. I have seen it with both my grandmothers one has been in an adult care home for 5 years at 4k a month. My parents have spent most of the past 20 years caring for elderly relitives and my mentally handicaped Uncle. There is a point where the money will run out if your living expences increased. My mom and uncle had to pay hundreads every month to keep my grandmother being taken care of. They had to liquidate all assets to get my grandma's to be supported by the goverment my grandma had to move to a smaller space so you never know how well set they really are.

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Kimberly Proud Mommy to Bethany Rose April 2006

My parents have been retired for a very long time now and they are comfortable.
My inlaws are both gone, but when they were retired they were comfortable as well.

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lets see my dad and his wife are screwed come retirement and my dad is not getting any younger he is going to be 61 this year...with no retirements savings at all thats what happens when you switch jobs over the years and instead of rolling it over you cash out and spend then build up debt again and start over.. he won't be living with me i've flat out told him that my older brother can have him he would be the only one that would feel guilty and take him in...

my in-laws are the greatest people but have zero money skills there house is paid for and they do have very little debt but they also have almost nothing for retirement savings either.. i think my bil or sil would take them in because they don't ever plan on being married or having kids..

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Grace of God will not protect you.'