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How to protect your parents if they never paid Social Security?
Wow. She really is in a pickle. Even though I can intellectualize that she ought have paid more attention to her family's finances, and assuming she wasn't complicit in her husband's obvious tax evasion, I can sympathize to some extent.  This is a great demonstration of how dangerous it is to just let your spouse handle all the finances because they understand the money stuff. Even if they pay the bills you should have at least a fundamental understanding of the taxes being paid, estate and retirement plans. So here's some practical advice based on the hole she has dug for herself: