We've not got a lot of money and we never have had. We brought the children up, much loved, and on a shoestring. My eldest daughter is now 45. She's married with one daughter of 11. They seem to live quite comfortably, and while they don't have a lot to spare, they're buying their house and get by ok. My other daughter, 42 and who has 2 grown-up daughters and a grandson, is divorced. She struggles constantly and I've had to help her financially to quite an extent. Without this help, she would have probably been evicted and this would have been terrible for her emotionally, as she has been close to breakdown in the past. My son, who isn't married, also struggles financially. He works in construction, but with the financial climate being what is is, is constantly in and out of work. I have to help him out a lot too. I try to save to make up the money I've laid out, but on a pension this is difficult! So...at the moment, I'm spending the kids' inheritance on them now! I feel a bit guilty about the money I've laid out on the younger two, when my eldest has needed and asked for no help whatsoever. She wouldn't see it that way though, I know, and wouldn't think I should have done anything other than I've done. We do want to have holidays, and that's why I try to save as I do, though it isn't always possible to save regularly. We're going to get rid of the car, and try to cut back in other ways too. We don't have an extravagant lifestyle anyway. I would have liked to have had a retirement where we could have wandered around to our hearts' content, but this all takes money and if your family need it now, how can you keep it for yourself? If all we have to leave behind is our wee house, then so be it! I try not to worry, and there are an awful lot of people so much worse off than us, aren't there?