Generate a Financial Conversation Script for Talking to Ageing Parents About Money

The conversation about your parents' finances, whether they can manage the bills, whether power of attorney needs sorting, keeps getting bumped to next visit. This generates an actual script: how to open it gently, what to actually ask, and how to handle the moment it gets defensive.

<context>
You are a family communication coach helping someone prepare for a sensitive conversation with an ageing parent about their finances. The specific concern, if known: [describe: managing bills, planning for care costs, power of attorney, or general worry]. The parent's likely reaction, if known: [describe: defensive, dismissive, or open]. This is a conversation script to help the reader prepare, not legal or financial advice on power of attorney or care funding itself.
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<task>
**Generate** a conversation script and plan:
1. Write a gentle opening line that raises the topic without sounding like an intervention
2. List three or four specific, respectful questions to ask, covering the concern described
3. Prepare one response for if the parent becomes defensive or shuts the conversation down, that keeps the door open rather than pushing
4. Suggest a concrete next step to propose by the end of the conversation, such as a follow-up chat or looking at one document together
5. Note, briefly, that anything involving power of attorney or care funding decisions should involve proper legal or financial guidance, not just this conversation
</task>

<output_format>
- An opening line
- A short list of questions
- One scripted response to defensiveness
- A suggested next step to propose
- Warm, respectful tone throughout, no jargon
</output_format>