I'm dealing with a situation where my fiance's parents are not setup for retirement at all and I'm afraid that it's going to fall back on us to be paying for all of the expenses throughout their retirement. Her mother is 48 and doesn't have a job. She doesn't speak english so it's very difficult for her at the moment. My fiance is paying some of her bills every month, about $300 a month, but she doesn't make much in the first place. I don't know how long she's planning on doing this. Her dad doesn't make much at his job, but has a small 401k. Right now we can pretty much count on their parents saving up nothing for retirement. If her parents don't do anything for their retirement is it going to break our bank? I don't think her dad has a will or life insurance and he has health problems from being a longtime alcoholic. What can we do to make this affordable? As the future spouse, what is expected of me? What is fair to ask of me? She said that she wants her mother to live with us in the future. I told my fiance that her mother needs to try and get a job for now and she agrees to an extent. I think her dad needs to get life insurance and complete a will. Is there anything else we can do? They'll have social security at 67. Are there any types of insurance other than life that we should look at? I don't know if they have health insurance or not. Her dad has been putting this stuff off to the side. And he gets defensive when she brings it up with him. We are both overseas so she has been talking to her parents over the phone from time to time. When I bring up this issue it's always a hot topic and can easily flame an argument between the two of us. She get's very personal and defensive. She's told me that it's her family and that she'll worry about it. But I told her that this will have an effect on both our lives, so I should be allowed to worry.