How do you build a lighthouse ? <| sep |> I never said anything about having sex with rabbits <| sep |> Hmmm . GF ' s dad is WAY off track when it comes to the meaning of whole life in this context I realize this is long but there is a point , so please bear with me ! So obviously the potential future inlaws are a financial disaster and I ' m sure that stopping their mortgage payments was not the first or last boner move they ' ve made with their money . But what about your GF ? What is the sense that you get from her regarding her parent ' s money issues ? Does it stress her out ? I always worried about my parent ' s finances while I was living at home they ' re working class and have enough but not much extra . Or is she kind of like meh when it comes to what they do ? The reason I ask is because everyone has the potential of having to take care of aging parents or inlaws somewhere along the line . Even if they ' re financially well off , anything can happen . Long term illnesses are expensive , in home healthcare is expensive , unexpected emergencies and disasters can be expensive . Most people don ' t want or expect for their children or other family members to have care for them physically , financially or both as they get older . So GF ' s parents are incredibly bad with money . But if you are in a serious relationship with GF that could reasonably result in marriage some day you are going to have many , many , MANY years living with GF and her money and spending habits before you ' ll even have to consider the possibility of financially supporting her parents . If she has picked up their bad habits then its going to be very difficult for you both ifwhen you combine your finances . For example , if GF is a big shopper but not so great at making sure she pays her Visa bill every month , that bill and the accrued interest can snowball into a huge problem . You don ' t want to be tapping into your emergency fund or the money you set aside to take a vacation to pay off a credit card bill that would never have become a problem if it had just been dealt with when it was due . You don ' t want to spend time coming up with a budget if only one of you is going to follow it . I can understand your anxiety about her parents but I think that their retirement plans and expectations should be at the bottom of your priority list for the time being . GF ' s financial habits are the ones that will have the most impact on you directly as you move forward in your relationship .