The Moneyist: My parents have $50,000 in credit-card debt and $50,000 in a home-equity loan. My father works part-time and my mother refuses to work. How can we help? – VibeJiver

The Moneyist: My parents have $50,000 in credit-card debt and $50,000 in a home-equity loan. My father works part-time and my mother refuses to work. How can we help?

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‘My mother seems to think they will be able to retire in three years when they get additional Social Security, but they have zero retirement funds.’

‘My mother seems to think they will be able to retire in three years when they get additional Social Security, but they have zero retirement funds.’