<prompt> Human: Hi PF people,Im wondering what my plan of action should be regarding my girlfriends parents. They have no savings, poor spending habits, and starting to affect me.They were out of work working part time BS jobs the last few years. I believe only one has an associates. They have recently both gotten decent jobs and I believe their combined income is north of 60,000. They still have no savings, are late on bills, have not paid the rent which goes to my girlfriends grandmother who owns the property, and are in the same general position that they were last year. The problem is that they take small trips instead of paying bills. Generally these trips are 2-4 hours away for a day or two.They owe my girlfriend money for the cell phone bill thats in her name that she has them on because its cheaper for them. Theyre two months late now but on vacation, yay!.My issue is that she pays me for her share of car insurance that we have together, and is late because of her parents. I will not accept her taking out savings for it, I want her paid what she is due from her parents and then I would accept the money. Our relationships are all on good terms. Location is NJ. Im thinking about recommending a financial advisor or something like that. What do you guys think?Thanks!  <response>: Theyve already been helped enough, but if they are causing your girlfriend to be financially stressed then they need to be disconnected. Removed from the cell phone plan and insurance. Its not ideal of course but they obviously wont change and theres no reason for them to drag your girlfriend down with them. 