re: The last check your parents write should bounce

Although I understand the message of your post, to not selfishly encourage your parents to save. It seems as if your are trying to take what I'm saying as an insult, and you seem to think what you are saying applies to every financial situation.

If a retired couple has $200k saved then yes, maybe their last check should bounce if they want to enjoy retirement. The same shouldn't be said about a retired couple with $20M. If they did the same it would be a frivolous waste.

If I should have saved my reasonable conversation for the "money talk" board I apologize.