What do you do if a parent is basic letting a sibling bankrupt them or nearly close to it and so they constantly wonder if bills will get paid and run up debt they hide from financial advisors? Nothing one can do I suppose (as they are not mentally incompetent), carry on and worry about one's own life. Out of one's hands. Maybe it all works out, if not there's always things like reverse mortgages to tap some money I guess.

To assume my parents ever read books on financial planning for the future, seem bizarre, such a thing never happened. But then a lot of planning that did go on was for a different world, one in which interest rates were not zero pretty much. The planning was save money, interest rates at the bank will pay 6%, all is well. Shows you what a complete joke planning is. I could talk about my own circumstances to my surviving parent, but no one really cares. One's own circumstances are really one's own problem.