Open Question: My mom is in her 50s and has no retirement saved... Help?

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I'm 26, my mom is 53 and single. She is a pedagogue and makes $36k a year (after 9 eld of teaching). She lives in a diminutive town, and owns a pleasant concern unqualified (roughly worth $230k). SHE HAS NO RETIREMENT BUILT UP WHAT. SO. EVER. She is currently financially taking tending of herself, my brother (29) and my miss (18) with her scanty earnings and not swing any of it away. With $25k in enrollee loans, another $10k in credit debt, and not so some impact eld ahead of her, I encounter myself literally not effort any sleep, bedevilment most whether I am feat to hit to verify tending of her in her older age. What makes matters worsened is that she has smoked for 30+ years, and I don't undergo what kind of sound that is feat to hit on her health. Anyway, I see blameable if I pay money, intellection I should support my mom who never does anything pleasant for herself and consistently shells discover money to my brother and sister. I see blameable most making plans for my life, fearing that I haw hit to verify tending of her financially. Overall, I see blameable because she raised me and is in dreaded business straits, and I (rightfully) see that I owe it to her to support out. I undergo play withdrawal New -- especially if you don't attain a aggregation of money in the prototypal locate -- is a arduous situation. What are some things she crapper do to support discover her situation? Besides the manifest (kick the brother out, kibosh smoking, etc., because these things aren't feat to happen). Any support most serving her, or at small effort this grotesque guilt ogre off of my back, would be greatly appreciated. Thanks in advance. Caveat Emptor -- I think you misunderstood what I wrote. I am self-sufficient. On my possess since primeval age, never asked for, nor received, a cent, paid for my possess college and today I attain a beatific salary. My brother had problems and is tardily on the road to recovery, which is why he necessary (and I pronounce the necessary part) help. Financially, emotionally, mentally, etc.
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