I finally had the money conversation with my parents. Here is what I found out.

I kept avoiding this for 3 years. Every time I thought about asking my parents about their finances I found a reason to postpone.

Finally did it last month. Here is what I found:

- Dad has an LIC policy from 1999 that barely covers 2 lakhs

- No term insurance

- Their combined savings would last maybe 18 months if income stopped

- They had no idea what their monthly expenses actually were

I am not writing this to shame them. Their generation was not taught any of this and they spent everything on us.

But I spent the next two weekends helping them:

1. List all monthly expenses properly for the first time

2. Upgrade the LIC to an actual term plan

3. Open a simple FD as a buffer

It was uncomfortable for exactly one hour. Then it just became problem-solving together.

If you have been avoiding this conversation — the discomfort is shorter than you think.