<prompt> Human: My dad is approaching 55 and is atrocious with his personal finances. Hes in extreme debt, no savings, no plans for retirement, and manages to find a way to continue to spend beyond his means.I found out that he has a 2 credit cards with outstanding balances: 3800 balance on 3000 credit limitAnother in collections : 600Another in collections: 40,000 this one does not show up on credit karma for whatever reasonIm pretty sure he has no plans to fund his retirement or anything saved up. He has a strong habit involving gambling, lottery, and random conveniences that are useless ie we have a treadmill but we also live next to a park and beach. He owes my siblings a couple of thousands of dollars and they have given up on ever getting it back.Ive been on this subreddit for a while for personal knowledge and felt obligated to get my parents under control. My dad did not take well to that and was defensive when I inquired about it. Im worried that his bad habits is a huge financial liability for his kids since he cannot sustain himself. Any advice on how to fix this?  <response>: I cut ties with my father for all of the reasons you have stated. They are your parent, you are not responsible for them. 