My mother is 98 and I am 70. We have no living husbands, no rich children, uncles, aunts, grandparents, grandchildren, nieces or nephews, or rich friends. We have no business income, no rental properties, no stocks and bonds, no savings or other investments to live off of. The economy has been based upon two substantial incomes for decades and decades. We have been left out of the prosperity of the past generation. The people who need the most help get the least. What kind of "financial planning" can you suggest when there is no money?