I feel the same way about my parents, but many people don't have such a good relationship with their own parents. If you (ubiquitous) want your children to tak

I feel the same way about my parents, but many people don't have such a good relationship with their own parents. If you (ubiquitous) want your children to take care of you in old age, then you'd better not treat them like crap. I can't say I would blame my best friend if he left his dad to die alone in some hospice or for another friend's mother to fend for herself in some way. Some parents are truly unpleasant or full-blown despicable, and I'm glad there's no cultural duty in America to take care of them despite this. Those were extreme examples, though. For a lot of people, taking care of their parents is signing up for a never ending stream of criticism. I don't know of many individuals past the age of maybe 40 who have negative personality traits and come to the conclusion that "maybe the problem is with me." I can only think of one in my life. Just about as bad is when one's parents are conservative and cannot get with the times, or they pretend to be with the times only for you to discover that they actually aren't when the rubber meets the road. I don't believe in abandoning one's parents if they have more "benign" personality traits, but the financially intelligent decision of "you can live with us" probably isn't a sound one from an interpersonal level, and hopefully healthy distance can still be had. Oh, but if parents make no effort to survive retirement, forced or otherwise, then I don't think anyone should be obligated to help them. People have varying amounts of luck, but if one doesn't save anything then they've chosen to be screwed. Personally, if I end up with one option being my children sacrificing their financial independence and youth, and the other signing up for the Smith & Wesson retirement plan, I'll take the latter.