>>514809593
>My parents didn't save for retirement so we have to consider their old age costs as well.
No you fucking do not. My children are 25, 29 and 32, and i would never in a million years think of burdening them with any costs just because *i* didn't plan for my future. it's tough enough for kids these days to make it, and no decent parent should be an anchor dragging their kid down.