<prompt> Human: Okay, so I put this under debt, but this situation is really a lot more complex. This goes into housing, budgeting, planning, and other. By the way, I myself am not in debt. My mother is and I am extremely worried about her. She is very illogical to put it lightly and is still obsessed with my father. I have been a long time reddit user and I figured that maybe somebody here could help me find something to say to her. I am a 20 year old guy in college, and Im currently commuting from my mothers house.My mom got this house during her divorce and its 11,000 square feet I know. She hasnt worked a day since she got it and has been selling off the rental properties that she got as well. Now she is 18 months behind on mortgage payments and even if she sold off the rest of her properties we would barely be able to make the payments that she has missed like 110 thousand... but I dont think there is time to do that. Also, we still have about 600,000 left on the house to pay off. Under the best conditions, Id say that this house could sell for 1.9-2.5 million depending on how long we left it for sale and what condition that it is in. Under our current circumstances:- We are living in a massive house filled with furniture that we will not be able to move before selling. Some of which we wish to keep.- My mom signed for a Shark Loan to keep herself going until we sell. The interest rate is 12 percent and she would have to be paying 7000 dollars a month for it apparently. This is money that we do not currently have. my mom often says that the reason she wants to stay in this place longer is to keep my brother going to his current school.- We have about 60 thousand left in her account as spending money for food etc. - There are still things around the house such as the pool area that need to be maintenance.What I have been advising my mom to do is to sell the house as quickly as possible to prevent a foreclosure and to stop the equity on the house from being eaten up. After that, I have said that we should rent a place that is reasonably priced until we figure out the next move. No long term investments right now. EAD, my mom says that she will NOT lower her standards. I use capitalization for emphasis because this is one of the most frustrating situations I have ever been in. She wants to buy a town home for 700,000 and still has no income. Assuming that we can sell the house for an optimal price we cant of 1.9 million.. we still have to shave about 700,000 off of that for what we owe. So, we walk away with 1.2 million and then have 4-500,000 for spending money. This would be AMAZING if my mother didnt practically wipe her ass with money. She spent 150,000 dollars on a three week vacation just as an example. My brother, sister, and I had no idea how much money she was spending because we were young. Now I have been finding out how extravagantly she has been spending her money and it is destroying my view of her.My father left her with enough to live the rest of her life on. Easily. Instead, she threw it all away. Her justification for this is you should be able to live the same lifestyle that you had before your divorce. I assure you, my father didnt let spending get that out of control. Oh, and guess what? She claims that he owes her more than 300,000 on child support and other expenses, when he doesnt. I visited him recently to add all of his checks up and her math is wrong. She has spent the past two years plotting a way to take him to court and get this money from him, all the while everything has been crashing around her.I have been responsible for taking care of my brother and my mind has been completely distracted by the fact that I may soon also be responsible for taking care of my mother. She is not mentally stable and I am trying to get her into a place where she can afford a living so that I dont have to worry about her all the time. BECAUSE I WANT TO LIVE. She tells me not to worry, that she wont be a burden. How am I to believe that when I look back on all of the terribly inept decisions she has made in the past?I have 46,000 in the bank for college and living right now. Plenty of money to start on. I am blessed. But guess what? My mom sneers at 50k. If I started spending some money to help support my mother itd be gone within a month. Oh god. I am sorry that this is so long. Does anybody that managed to make it to the end of this incoherent mess have any advice? Thank you sincerely.TL;DR: We need to sell our house quickly and I have no idea where to start. It is 11k square feet and under optimal conditions would sell for at least 1.9 but we dont have time to wait for it to sell because it could go under foreclosure. Also, we are 18 months behind on the mortgage and have 700,000 owed on the house. Currently 60k in spending money we only have it because if we use it to pay off part of the house we will have zero money to live on.Assistant: Is her name is on the account holding your 46,000? If so, I would get that in a new account with you as the sole owner. Human: Sorry for the delayed response, I was in class. Yep, I am the owner of the checking account with the money. No worries there.  <response>: Even if you are the owner, if her name is on the account at all, she is also the owner and can drain it without your permission. Just wanted to clarify, since thats what the previous poster was pointing out, and your response didnt mention her at all. 