<prompt> Human: Hi everyone,As the title suggests, I am trying to figure out how to get my mom 53 years old out of the hole that she has dug for herself. Some of the numbers I have are not exact, but my best estimates. She is not good with money and is terrible with budgeting. Ive tried to work with her on it, but it is a struggle. It seems that every time she makes progress, she ends up taking two steps back. Here are the numbers: Monthly take home pay: 2400 Rent: 1400 Utilities: 200 estimate Car payment: 310month Car insurance: 120 Medical bill 1: 75 Medical bill 2: 45 Credit Card: 54 Parent PLUS Loan: 90Total monthly income net of expenses, not including food, gas, etc.: 106.I have tried to get her into a smaller, less expensive place, but it has been like pulling teeth. She also lives in an expensive city where she grew up, so she wont be moving somewhere much cheaper any time soon. She is also trying to look for side work to boost her income.Here are her debt balances dont know the interest rates for any of these: Car loan: 904.17 Medical bill 1: 3,478.11 Medical bill 2: 1,380.43 Credit card: 2,824.72 Parent PLUS loan: 7,528.62Total debt: 16,116.05I am fortunate enough to have a job that pays me decently and allows me to save money. Since I have about 10k in cash not including my 401k, I want to help my mom. I was thinking that my sister and I could pay off her car bill to relax her of a few hundred dollars per month. After that, I want her to take all of the money from the car payment 310month and start paying off Medical Bill 2, which would take a few months. If we do that, thatll take 355month off her back and two loans. Then we would continue to pour in more money in the lower balanced loans until its something manageable. Is this a good idea? Do you guys have any thoughts on this? I really appreciate the help!  <response>: Reading your OP and comments, Id say what youre doing could be a great way to help your mom out. I think its really nice of you to try and help take care of your mom. However, you need to find a way to help her long-term that doesnt involve bailing her out over and over again. Maybe in addition to paying off her car loan, you could give her a gift of sitting down with a CFA to discuss long-term planning? Budgeting, savings, etc.Its great that youve talked to her about moving, but maybe it just wont stick coming from her kid. Hearing the same advice from a trained, certified advisor may be what she needs to move to a cheaper place, start saving, etc. Its not a guarantee but could help. 