父母老去之前，我該做點什麼？

獲得2.4k好評的回答@Stacie Marie Carrel：

THEY NEED:
他們需要：

-A Retirement Plan because they need to know how much money they can take out each year, and how much they can do with that money. Without a retirement plan they won’t know if they have the money to travel once a year or 5 times a year.
-一份退休計劃。因爲他們需要知道每年能取出來多少錢，用這些錢他們能做多少事。要是沒有退休計劃他們就不知道自己的錢夠一年旅行一次還是五次。

- Retirement money If in the US, Social Security alone isn’t going to cut it even if they just sell the big house, move to a small one.
-退休的錢。在美國即使賣掉大房子搬到小房子裏，只有社會保險也是不夠的，

-Reconcile any health vs house difficulties. If they’re in a house with lots of stairs, but there’s a family history of needing a walker in late life, then that’s going to be an issue. They may need to either sell the house and move, or start work on the necessary accessibility changes they’ll need later.
-解決健康和房子之間的矛盾。如果他們的房子裏有很多樓梯，但家裏又有晚年坐輪椅的家族史，那問題就來了。他們可能需要賣掉房子搬家或者開始着手營造日後需要的無障礙環境了。

- A durable power of attorney and medical wishes so that if they are ever incapacitated or rendered incapable of self-care, they’ll have someone appointed ahead of time to take over those responsibilities.
-一份永久授權書和醫療意願。這樣當他們喪失行動能力或不能自理時能提前安排好人來接管。

YOU NEED:
你需要：

-To not be dependent on your parents financially. Too many able-bodied and mentally capable adults are living with their parents as moochers. With parents soon losing their income, they won’t be able to financially tap into the massive savings they’ve built up for someone else’s needs, because that money needs to last for upwards of 30+ years.
-經濟上不依賴父母。有太多身心都健全的成年人和父母一起住啃老。父母很快就要失去收入來源了，在經濟上他們沒有能力把攢下的一大筆錢給別人用，因爲那些錢是他們要用來維持未來30多年的。

- Your own savings set aside for parental care. Some medical issues are VERY expensive, even with the best health insurance money can buy. They can quickly eat up a couple’s retirement savings. If you can set aside backup money of your own just in case that happens, it will give you and your parents more options in the future should something big come up.
-攢下點積蓄照顧父母。即使買了最好的健康保險但有些醫療是非常貴的，會很快耗盡老夫妻的退休積蓄。如果你未雨綢繆自己留些錢備用，未來發生大事時自己和父母也能多些選擇的餘地。

- To have your OWN will and power of attorney and medical wishes that address your parent’s care and well being, not just your own. If something happens to you, and your parents are in a state where they are dependent on your care and/or money, you NEED to have someone appointed ahead of time to take over your duties.
-有自己的遺囑、永久授權書和醫療意願，不僅安排好自己，還要安排好父母的護理和健康。如果你發生不測而父母完全依賴你的照顧或錢，那你就需要提前安排好人接替你。

獲得67.3k好評的回答@Thomas L. Johnson：

As a 70-year old, I can tell you what I like as a parent. I like it when my son asks if I want to go to a Timberwolves game or fishing on Rainy Lake. My wife and I both enjoy an evening together with the son and his wife playing Scrabble or Catan. We are planning a long trip together for the near future.
作爲70歲的老人，我可以告訴你作爲父母我想要什麼。我喜歡兒子問我是否想去看森林狼（NBA裏面明尼蘇達的球隊）的比賽或者去雷尼湖釣魚。妻子和我都喜歡和兒子兒媳晚上一起玩拼字遊戲或卡坦島（一款思考策略遊戲），我們正計劃不久以後一起去長途旅行。

If your parents are mature and happy, they will enjoy having you around for some special days but really are not quite “over the hill,” as far as having a life of their own. In my view, aging is hardly a disaster.
如果你的父母思慮周全而且很幸福，他們會喜歡某些特殊日子你們能陪在身邊，但他們也不是完全“年華已逝”，他們還有自己的生活。在我看來，衰老並非不幸。

And what I really appreciate is a long phone conversation every week.
我真正想要的是每週通一次電話多聊一會。