Daisy Boo,
I'm right there with you sister. I'm going bald with the hair I'm pulling out. My father passed away last year and my mother has already gone through half of his small life insurance. Other than what's left of the insurance and a little 401k money, she has no savings to speak of. She's planning on retiring next year with about $25,000 in her 401k because she wants to pioneer. Last year before we stopped talking, I sat her down to review her monthly expenses and the money she will need for medical care, home and car emergency expenses. Her future is really bleak. She paused for about 5 seconds, then declared that she's not worried, Jehovah will take care of her and besides, "Armageddon is coming".......aaaaarrrrrrrrgggggghhhhh
A while back I calculated the hours they spent in the JW door-to-door work. With at least 50 years each at 10 hours a month (not counting auxilary pioneering a month each year, bible studies and countless hours at elder meetings), if they were paid for the time they spent at the current hourly minimum wage of their state, they would have earned $73,800. I didn't calculate what they spent on gas and the cost of a new car plus the finance charges every 5 years or so. The last 20 years, they have always purchased a a mini-van "especially for field service.
My siblings who are still in the religion are just has hopeless regarding planning for the future. As the black sheep of the family, nothing I say or do will convince them to save for the future.
Again, I feel your pain.
Best regards,
NYCkid