Omar, are you married?
Cause my husband and I discuss things as they come up - and we discuss things over time as well. But we don’t have “agreements” between us. There are things that I’ve said I will and won’t do - for instance, he knows I didn’t want his brother to end up living with us (or his mother, or my mother, or any of our friends, or our children once they leave the nest). Now, circumstances may change and we might end up with adult children living with us, which we will discuss when the circumstances change.
Moreover, I suspect it isn’t “large sums” of money at any one time (and that will be the difficult thing), it will be a little help here and there when their social security check doesn’t cover all the expenses in the month - $100 for groceries here, $200 for rent this month over there. Since she just posted in the early retirement thread that she went back to work so they could travel a little more - giving up her early retirement - I suspect $100 or so here and there isn’t “alot” of money. If FCM is like I am, she’s adding up all those potential expenses in her head - which could add up to a significant sum of money over time - and thinking that will impact how she wants to retire…while her husband is thinking they can easily spend $100 here and there. I’m assuming that since they worked while living for today (i.e. they just intend to work until they die comment) - they just were grasshoppers rather than ants - that they’ll get some social security income - just not sufficient for the lifestyle they’ve had, and are likely to bankrupt themselves once their income slows down.
Hopefully. I have one friend that I am really concerned about - she is in her 50s and in GREAT health, she is bright and a hard worker, but she is the least material person I’ve ever known and has made her living as an artist - i.e. she has almost no social security to fall back on since she seldom paid in and when she did, it wasn’t much (I’m betting she has enough quarters to qualify - I’m also betting she’s looking a a social security check of less than $250 a month). Her current living arrangement is housesitting for a friend of hers for a few months, then she will move on to some other temporary arrangement. She’s spent months at a time living out of her van (which she has sensibly equipped for that purpose). She’s been known to dumpster dive and be a freegan in the past - and often just does odd jobs under the table for cash. She has no kids to fall back on (but she is one of the people I know with the best and most supportive circle of friends). (She is pretty much my own antithesis). At some point, we may be part of the circle of friends who makes sure she has groceries.