<prompt> Human: Im 26, not living at home, 0 debt, good income and pretty well-off financially. My mom, 60, is not doing well at all.Shes tried to sell her house for nearly 3 years and the market has been just terrible she lives in NE Massachusetts. She didnt buy the best house, had to drop nearly 70k to fix it up, and despite that has continued to lose value on her home - and it wont sell. Shes dragged it out so long that shes put herself into a serious financial pickle. She makes about 60kyear nets around 3600mo and cant change jobs, because she doesnt have a college education and will have a tough time finding work, but is paying 3000mo on just her mortgage, which she has refinanced multiple times. Her home equity is dry, has less than 20k in her 401k after liquidating it to pay bills, and is in mountains of debt - Im not exactly sure how much, but my guess is in excess of 50k.Its now so bad that she cant afford groceries and has basically stopped paying all of her bills except for the mortgage. Its been bad for a while - I gave her 5,000 to try and help back in May, but shes already used that up. I fully understand Im not getting that money back ever.I dont know what to do or how to help her - I feel like giving her more money wont really do anything, because the debt is just so bad. I dont know what advice I can give her so she can get out of this insane hole she put herself in. A big problem is she has serious pride issues - she wont file for bankruptcy or do anything that would cause her to not pay off her debts. Shes being ultra stubborn about, even if she does sell her house, that she wants to own a place, even if its a condo - she has too much pride to begin renting again.This adds to my frustration, but like I said, given all of this information, I have no idea how to help her, but I love my mom and I hate to see her like this. What do I do?  <response>: nets around 3600mopaying 3000mo on just her mortgageThis leaves her with 600 a month for foodgasect.If she lives the rest of her life with a budget as if she is making minimam wage she can make it work.If she cannot do that can she get a housemate? Rent a room out to someone. Get a second job 10 hours a week can bring in 300 even at minimum wage and could make a huge difference. Regardless she needs to cut back all other spending hard.Beyond those options she has nothing left other than ceasing payments on the mortgage and bankruptcy 