<prompt> Human: Please advise if this could be better served in another sub. Mom and stepdad are in deep debt. He is disabled and cannot work. He is receiving Social Security as he is over 65. Between Social Security and my moms job, they barely have enough to cover their cost of living. My mom has tried to get housing assistance but makes just barely too much. My dilemma is I cannot afford to help them financially nor taking them in. We have a newborn baby, I am out for the year on unpaid maternity and we have two mortgages. We can afford maternity, baby, and two mortgages as we have planned for it but cannot afford to take on their hardship. They both have tremendous debt and moving in with us would consist of extra costs adding them to car insurance, cell plan, food, etc.. Their money barely covers their bills. Any of you had similar scenarios? I want to help but feel my hands are tied. It is hard to just say good luck to your parents. One kicker that makes me angry is they are unwilling to change their current lifestyle. Driving two cars with large car payments, maintaining a storage unit, dogs, cable, etc. Every time I suggest ways to cut costs they agree but nothing changes. They are currently looking for a cheaper apartment but have been turned down by some because of their credit report. Their ship is sinking.  <response>: Rule number 1: You cant help someone who wont help themselves.Rule number 2: See rule number 1. 