<prompt> Human: Not sure if this is the right place to ask this, if not let me know. My brother is deep in a financial hole. All his credit cards are maxed out and he lives above his means. He owes 12k on a car worth 7k and the timing belt just went out. The shop is telling him its 6k for the repairs. He has money in his 401k and Im certain hes going to take the penalty and take the money out. I know its a horrible idea, but I dont know what else he can do; Im out of ideas.  <response>: You can lead a horse to water...Sounds like he needs a budget and the discipline to stick to it. Point him at resources be dont come across as preaching. And if you give him money assume its a gift. 