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Also you might be able to talk her into making regular contributions with each paycheck, which could help her in retirement at least as much as the increased returns.

I'll second that idea!

If your Mom would do that as long as she is able that could make a hugh difference! It is never too late to take charge and make the most of a bad situation.

The best to you and you Mom. I know that you both are in a tough spot with this.

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