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Whether or not you're working, you shouldn't shoulder the cost of caregiving alone.Though daughters are more likely to provide hands-on support than their brothers, all siblings should sit down and discuss who will pay for what.

"But if you're just putting money in a savings account, you're actually losing money," she says, because of inflation. Could you bump up your contributions in case you have to leave the workforce five or 10 years earlier than expected?Running those numbers can be hugely motivating, she says.If you do leave work early, "keep looking for that new job, but reduce your spending right away," says Singletary.- Will Ferrell/Steve Carell/Christina Applegate/Paul Rudd/David Koechner/Jackie Collins/Joan Collins/Frank Skinner/John Cleese/Terry Jones/Eric Idle/Michael Palin/Terry Gilliam/Michael Bublé (2013) ...Viene definito sex symbol un personaggio famoso, maschile o femminile, che per le sue virtù fisiche sia in grado di suscitare l'attrazione sessuale in individui terzi.When a parent hits 70 or a child hits 40, it's time to talk," she says. Start by calling the investment firm that houses your parent's IRA or 401(k)—many offer simple and free retirement online tools.

Or search the Garrett Planning Network, which has a database of fee-only financial planners who charge by the hour without long-term commitments.

Then, if you don't already have them, think about opening up your own bank account, credit card, and retirement savings. "Try not to make any major decisions for at least a couple of months—ideally a year," says Michelle Singletary, personal finance columnist and author of .

"This forces you to keep an active hand in managing your money—and it means you can save more for retirement," says Chatzky. Reorienting to a new reality takes time, and rushing may mean you make decisions you (or your wallet) will regret.

Chatzky suggests dividing recurring bills so someone is in charge of each one rather than trying to split total monthly expenses.

The AARP Foundation can connect you with government programs to help aging adults with everything from medical expenses to energy bills.

A financial planner can also help create a checklist of paperwork to pull together, such as power of attorney forms, and designate beneficiaries on bank accounts, investments, and insurance policies.