83 YO mother has always been irresponsible with finances. Had a professional job, was married to a prof. engineer and yet she barely has enough to make rent, food, meds. Family pleaded with her to plan for her golden years, to no avail. Husband has recently entered a home and she is poor, lonely and suffering end stage renal failure. I want to help but I cant help but remember she’s gotten in this bind all by herself. Not a stupid woman but def. there are cognitive difficulties. Nobody wants to tell her “told you so” but two children feel they’re stuck with complicated care which could have been way easier. Shoulda, coulda, woulda. I’m p*ssed about it but feel guilty about these emotions. It is my Mom, after all.