 What do I need to cut back on the lifestyle I'm used to? The other major issue, I have a 91 year old mother. She's been with me full time for just a couple of weeks. I share that responsibility. But while I've been taking care of her a little bit more, I'm starting to think, well, I need to leave the workforce as she gets in a position where she needs more supervision because I'm also Hispanic and God forbid I put my mother in a home. The choices are, can I retire? Will I have enough money?