[ToDougie]

> a couple is often entirely on their own.

Yeah. This has been the worst part. Neither of our parents feel the need to help with their TIME, but they will sporadically send us money after making us feel bad about asking. Meanwhile they had all kinds of help from relatives, in time, sweat, and money. Part of the problem is that you don't get your full Social Security benefits until age 70, so for the one grandparent that is still working, they literally do not have the time to help. If they wanted to retire early, they would have to forgo what they perceive as critical $. Alternatively, they could sell their multi-million dollar home and downsize, but their egos could never handle that.