It certainly doesn't keep Ralph up at night. People saying he has any form of savings are delusional unless Nora controls the account, which is highly doubtful. His time horizon doesn't extend pass the weekend where he can binge out his pills and drink off-air.Where do you think he is going to go after his mother passes? Will his wife ever live with him? These long-term questions are the ones keeping me up at night.
Ralph's version of long-term financial planning is treating Nora's assumed potential income as a 401k.