<prompt> Human: My dad owns a local restaurant chain of 3-4 restaurants. I dont even have the complete story because its all so convoluted and hes so secretive and deceptive, but to keep it short, hes on the hook for 1.2-1.4 million dollars in the form of mortgage on his business property, hundreds of thousands in personal loans from friends, loans from banks, thousands in unpaid bills, etc. Its gotten to the point where our house and cars are falling apart, we often dont even have grocery money or decent clothes, we occasionally deal with having utilities shut off for a day or so because he has to procrastinate on those payments to make other ones, and our house was almost foreclosed on a couple of years ago. I can barely afford to eat or pay my rent when Im at college because of all of this.Its a long story of him being too stubborn to listen to sound advice, having too much hubris to recognize that hes digging himself deeper into the shitter, being strangely opposed to declaring bankruptcy even after having met with his lawyers, etc. He just will not listen to anything or anyone but himself. Ive told him to get a financial advisor, but he always just stares at me blankly and is generally nonresponsive to advice. At this point, I dont think even an advisor could help. My mom and uncle have taken over all of his paperwork to try and figure out where all of our money is coming from and going to, but things havent really shown signs of improvement because hes struggling to sell some of his properties and businesses probably partially due to his strong attachment to them.Realistically, what is there that I can encourage him to do to help get all of this sorted out before he has a heart attack?EDIT: I think a lot of people in the comments misunderstood the point of this thread. It wasnt what should I do?! Im getting my life together one day at a time as a full time college student, I know what I should be doing. I was looking for more of an answer to he doesnt know what hes doing at all, what should he be looking into doing?  <response>: We dont know you or your father. We dont have magic words to tell your father to make him listen to reason. These are all relationship issues. Financial answers are this: get independent. Get a job. Save your money. If you live with your parents, use that for free rent. You need to prepare yourself for the bankruptcy your father is heading towards- that means have your own emergency fund probably include an extra couple of thousand if your fathers house is foreclosed on and you need to find a place to live in a rush. After that, you have to decide how to deal with your father. His money and debt is his, and you have to learn to compartmentalize that. Fathers arent perfect, and yours is flawed. You have to ask yourself two questions: Can I get him to fix this? And can I do it without losing what I like about our relationship? If the answer to either or both is no I suspect it is, then its as easy as saying not my problem. Youre on a sinking ship- but you are better off riding along for a while and finding a life-jacket so you can float on your own. If you can tell the captain how to sail, do it. If you cant- ride as long as you can and be ready for the outcome. 