<prompt> Human: Heres the situation. Parents owned their own business, were very successful then a string of bad things happened and they went bankrupt in 98. My brother tried to help by purchasing their home and eventually went bankrupt himself. They now rent a home thats too big for them 1800month. My Dad works for himself and keeps all financials to himself, but I am pretty sure he makes around 2kmonth. My mom got a job after being a stay at home mom for 20 years and makes about 900Month. They have no retirement savings, no plan to start one and no plan for a house in the future and have an 18 Month lease. They are trying to find a resolution to 55K that they owe the IRS from their bankruptcy in 98, its expected to be settled on for less than 10K. They are 59 and 55 and have big issues admitting that they made mistakes and need to live differently.I learned from their mistakes and have since become very sound financially. I desperately want to help them make better decisions and to help them get in a situation where they can at the least not worry so much. Any advice? What can I do?  <response>: If they dont want to change you cant make them. Hopefully they will change their minds while they still have the ability to make a difference. 