What is insensitive about saying, she doesn't have enough savings, so she cannot retire yet? Given that you seem to be taking the (realistic and true) comments personally, it seems to support the view that your post is, in large part, motivated by your personal interest in her retirement. That is, so she can babysit for you. If you can separate your interests from the equation, the fact that she cannot afford to retire will become clear. Unless you are planning to support her financially, possibly for the rest of her life.