<prompt> Human: I have a challenging situation is helping my parent, maybe sister, with their finances.I am financially secure, with some solid savings and Id like to help some of my family fix their problems. To explain, I was the only family member to go to college, and with respect to finances, my parents and sister are very naïve. Theyve made very poor decisions, accumulated much debt, and they dont understand interest rates. My parents are just retired.My sister is 30 years from retirement.My parents have a home worth 150K. They still owe 80k. But they also have 72k in debt. Much of it is car and camping trailer they love camping, but 20k is a really terrible, exploited, credit card debt averaging well over 20 interest rates; how is that legal.My sister has live with my parent for 15 years. Makes a decent income, but also terrible high interest debt. Her credit score is around 600. She has no savings.Given my sister has been living with my parents for many many years, I thought one good option would be to have her buy my parents house. I could help her with the down payment I do trust her to pay it back, no trust issues here. My parents would give her a good deal, but still make enough gains to pay off the worst of the debts, leaving ample money to 1 pay rent to my sister, 2 have an enjoyable retirement.My sister would having a highly subsidized mortgage payment parents paying rent and tax write off thanks to my parents. Maybe, because she got a good deal on the home, she could also get a loan for a little more than the house, to help with her own debts, even if its just a little help.Would this work? Given my sisters poor credit score, credit card debts and lack of savings, maybe buying a home, even is good deal, is not an option? They live in Washington State, if that matters.Alternatively, I can buy the home. I have just enough cash or could set up a mortgage as well. I dont really want the home, but I do want to help them. That said, if I set it up as a mortgage, which they pay off as rent as well as maintain the house, its as if I bought a rental property, which is not a bad way to diversify my investments. Im 10-20 years from retiring. I contribute well to my retirement and have some nice stocks. So a property might not be a bad idea.  <response>: Financially, absolutely not. Beyond that its a relationship question. 