I agree with the other posters, don't touch the pension until your parents have proven that they can LBYM. Consider it as an option after they have LBYM'd for a year.One thing you didn't mention in detail is your sister. Does she know about the finances? Are you helping her learn what she needs to know to earn her own money and manage it for school? Make sure your parents and sister know that they have to fill out a FAFSA (www.fafsa.ed.gov) by the end of February in order for your sister to be eligible for financial aid. You might also help her look for grants and scholarships.Also, it is a very good thing you are moving. More than once you mentioned nagging your parents. While that makes you feel powerful and superior to them, it is very destructive and has no positive value whatsoever. You need to address your anger and work it out in some other way than directing it to your parents. They will feel your anger and react to it rather than their problems and can make things a lot worse than they are.Barbara
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