I'm needing some major advice with my parents. My parents have always acted like children. I've felt like the adult since I was a teenager and left to take care of my younger brother because my parents really just checked out on their marriage and us kids. I'm now 32 and my brother is 29. My brother, while making some mistakes in his personal life, has a flourishing career in the Air Force and so I feel like I did some good. My parents, however, still act like children. I'm so grateful to have a stepmom who takes great care of my dad so I do worry less about him. However, my mom and stepdad are a different story. My mom has always acted more like a child than an adult and unfortunately, my stepdad is the same way. They both open their mouths at the wrong times, discuss things that aren't their business, tend to tell things to people that is no one else's business, and my mom tends to butt in my brother's personal life where I don't think it's entirely necessary. My dad's mom used to do the same thing and that was one of the many reasons their marriage imploded. My stepdad was fired from his 20+ year job earlier this year because he shot off his mouth again to the wrong person and his supervisor decided enough was enough. He's been drawing state unemployment which has ran out and now is drawing federal unemployment but he's gotten himself in a mess there. Now, because of said mess, he's wanting to file disability. Yes, he has had 2 bypass surgeries, a mini-stroke, and a work related injury so at one point he probably qualified but he worked for 2 years past his last bypass without problem. He only needed the 2nd bypass because the 1st one was botched. For his health problems, he's in fairly decent shape so I don't think he'll qualify for disability. He really could go back to work but he doesn't want to. Who does? He and my mom got into a huge argument last night because now he's wanting to take out his 401K and do God only knows what with it. My mom thinks it should be saved for a rainy day. I agree. She's also wanting to get life insurance on him and a policy to pay off the house if he dies first. They only bought their home 3 years ago so of course it's nowhere close to being paid off. My mom has a small policy for him at her work but he doesn't know about it. He also has no health insurance. He refuses to get any kind of insurance to take care of my mom after he's gone and she hasn't asked him why yet. He doesn't even really want to leave her the 401K if he dies first. My mom called me with this lovely bit of information while I was at work sending me into a panic attack and tears. My brother and I can't afford to take care of my mom if something happens to my stepdad and I'm terrified my marriage would suffer due to the stress my mom puts me through and the money. My mom stayed at home with us for 13 years and while she does have a college degree, it's so far out of date that it hasn't furthered her jobs any. She also has no interest in going to school or trying to find a job that pays better either. My husband is an amazing man who patiently deals with the crap my parents have done over the years but he isn't their biggest fan because of how they've treated us kids. I've had to work through a lot of issues thanks to them and I'm still scarred by their mistakes. We've pretty well decided on not having kids due to all that I have to deal with with my family. My mom's health is so-so, she's needed to go to the doctor for things for years but won't no matter how many times she asks my opinion and I tell her to see a doctor. (I've taken several medical classes over the years.) My dad's health isn't great but my stepmom is awesome. I can totally depend on her. Both sets of grandparents have major health challenges but thankfully my aunt helps out my dad's parents and recently my uncle has stepped in to help with my mom's parents since he lost his job in Mississippi. Until then, I was constantly trying to convince my mom, who's their power of attorney, she needed to get some help for her mom who more than likely has had some sort of stroke or has developed Alzheimer's. My uncle has since taken this over. I feel like I'm constantly beating my head up against a wall with my mom and I don't think I'd ever have time to have kids and care for them properly. My husband's family is awesome and they're all in pretty good health but that may change one day. I'm to a point that I'm ready to check out since my family seems to be unable to help themselves at this point. Is there someone out there who can suggest a way to get my family to grow up already?