 So my husband and I are in baby step two, so we can't really help much financially. We coordinated an FPU class, and my mother-in-law joined in that one. And in doing so, we discovered just how bad her financial situation really is. She's got a pay-for-house, pay-for-car, but nothing else except for about $1,500 in the bank, and that's about what she owes on property taxes. And how old is she?