Mother is 60 with very little retirement or savings and will require assistance from myself and siblings to survive. Does it make sense to put money into a Roth IRA at this point for her ? She will probably work for awhile, but figured this might help as well.

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I would rather have it in Roth than taxable generally. If she has low enough income to pay no tax. It won’t really matter. She can only put in Roth to the extent of earned income

IDK - huge benefit of Roth is tax free growth which is more beneficial the younger you are. But if she’s in a 10% fed tax bracket right now anyways I would probably put $6k in Roth and pay $600 in tax for the potential upside of large returns in the next couple of years.

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