<prompt> Human: So I did this from a new account for privacy purposes. My parents have been in a big mess for a while now and I am trying to help them as much as possible while also wanting to get myself out of debt.I really would like to get myself out of debt. I have an okay job that allows me some extra cash but my parents are living way above their means. Im also enrolled in college part time.Currently I work in a commission job. I make guaranteed take home after 401ktaxes pay of 1,000 a month from my hourly. My commissions range from 1,200 to 2,700 per month take home. I would say 1,200 to 1,400 is where it usually is. The big checks are 2 or 3 months out of the year. My 401k contribution is 7 and my company matches up to 6.I own the car I drive. Im currently paying off a judgment against me for an auto loan for 280 a month. I pay insurance for our family which is 133 a month.My monthly expenses at the bare minimum for gas, food, going out 700.What I owe: The judgement has about 15 months left I have to pay it otherwise they garnish my wages.I owe about 2k in traffic tickets are in collections. There is a 800 credit card in collections.And two old phone bills in collections for I believe a total of 400.I also have a bank account I overdrew that is in collection for 750.Im not certain of the interest rate on any of these.Now for my family. Right now their main problem is making ends meat. Together my parents make a total of 3,400 a month take home after insurance taxes. My father can supplement that income with an extra 1k a month through some freelance work however it comes and goes and is not reliable.The rent is 2,260 a month waaay too high I know They have a car payment that they are 3 payments behind on that is 500 a month. And bills and living expenses easily surpass another 1,200 a month.Now some background. How have we been making it this way for so long? As I mentioned my father does do extra work that can help a lot some months. I know they have been borrowing money left and right over the last year and I contribute anywhere between 200 and 1,000 on a given month. I need to be clear I have an incredibly stubborn family that will not take my advice on any of these matters. I recently put my foot down that we absolutely need to downsize and after a huge argument last night they are getting the picture. I know the rule of rent being 25. We live in SoCal and I have to tell you this is very difficult to get that kind of place. We would have to move to the desert and the savings would be lost on gas for us to commute to our jobs. Also my family has 0 money to move. They have absolutely no money in savings. The only thing they would have is the security deposit on the home were renting. And also big surprise credit is an issue in getting a place here too. As I mentioned before my parents are pretty immune to good advice and thus I am simply looking to figure out how I can help myself and what amount I can give them per month so they can figure out their finances. I have 0 emergency fund and would like to build one. My questions are:How much should I be giving them a month? Ive been paying debts off little by little when I get larger bonus checks and just taking care of it that way. Should I be paying everything little by little? Is there something I should be focusing on more? Can I even build an emergency fund at this point? Should I keep up my 401k contributions since it is the only money I have saved? Historically I have had a very difficult time saving money so the 401k has worked well since it is automatically taken out.Im happy to answer questions and Ill make sure to keep everyone as updated as possible. Thanks so much in advance for your help Ive really enjoyed reading this subreddit.Edit: Dont know why I typed whole. and if this isnt clear I do live with them rent free and feel I do owe them at least something.Edit 2: As much as it may seem like it family are amazing people and have always taken care of me. My father had a job 3 years ago that he lost and has just not been able to find any work that pays him the same amount. He is still in the hunt and as we all know its very tough out there. My family would let me live in their home completely free if they could afford it since Im in school. So I do feel I need to help in some way.  <response>: Honestly, if your parents dont want to change, I dont know what you can do. Since you live with them, it makes sense to help them out in the form of you giving them money for rent, utils, and food, but instead of that amount varying wildly from month to month, you and your parents should figure out a set amount. You have debts of your own you need to tackle - how you can you help someone else with their debt when you have your own? 