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The Ramsey Show Highlights

My Parents Aren't Planning For Retirement

The Ramsey Show Highlights

Ramsey Network

Investing, Education, Business, Self-improvement

4.5838 Ratings

🗓️ 23 January 2026

⏱️ 8 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

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0:06.0

My parents are in their late 60s and they have done nothing to prepare for retirement.

0:11.0

They say they're just going to work until they die because they just see no point ever slowing down.

0:16.0

To the point that they don't have any documentation, like their will is from before I was born,

0:21.0

and I'm in my late 30s. So how do I guide them? Because I've tried signing them up for classes,

0:28.9

tried getting them set up with a lawyer to try to get documents in place, and every time it

0:33.0

just falls apart. Are they asking for your help, or are you volunteering it?

0:40.5

Volunteering it, because I don't want to be set up to have to deal with all of it when they die. Oh man, oh man. Megan, I get it. First off,

0:46.5

I feel your pain. The hard part about this is, and Ken knows, when someone's not asking and you're,

0:53.0

you know, you're breaking your neck trying to do it for

0:56.1

them and help them they don't want it they don't care that it is not important to them and it is

1:01.7

important to you it should be but the hard part of this is they don't care now I don't know if you've

1:07.7

had this conversation with them which is hey guys I know you haven't asked for my help.

1:14.5

And I'm sorry if it feels like I am kind of encroaching on your privacy here.

1:19.1

But here's what I'm thinking about.

1:21.1

I'm thinking about the fact that I'm 30 years old.

1:23.8

I have X amount of dollars and X amount of obligations.

1:29.1

It's none of my business,

1:34.4

but I have the information right now, and you can tell me if I'm wrong, that you're really not too concerned with retirement. You have the right not to be, but I am. And the reason why I am

1:41.4

is because if I look up in you're 80 years old and somebody needs

1:45.1

care or somebody needs this, I'm realizing that all that's going to fall on me. And that's what I'm

1:51.6

concerned about. Is there a plan that I don't know about that you guys can tell me about? That's the

...

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