<prompt> Human: So, Im a 19-year-old dude attending community college and transferring to a 4-year college next year. In the last year and a half, Ive learned a lot about personal finance, budgeting, credit cards, loans, investing, all that good stuff. This subreddit has been super helpful and influential in my life decisions.My parents dont talk much about their finances but Ive begun to realize weve been keeping up with the Joneses for a long time. Even though my parents make between 250-300K, were 10-15K in credit card debt without a plan of getting out. There are also expenses that I feel we could eliminate eating out a lot, 600 car payment, 300 gym membership we dont use... I KNOW that we can pay off the high-interest debt if we budget more efficiently, but I dont feel Im in a position to give advice. Does anyone have any strategies for helping them without coming off like a know-it-all asshole? I really want to help and at the least, understand why they got here so I dont, but I fear theyll be uncomfortable talking about money with their son. Thank you so much!  <response>: My post below assumes you are stilling living with your parents andor at least partially financially dependent upon them for tuition and bills.Even though my parents make between 250-300K, were 10-15K in credit card debt without a plan of getting out. There are also expenses that I feel we could eliminate eating out a lot, 600 car payment, 300 gym membership we dont use... I KNOW that we can pay off the high-interest debt if we budget more efficiently, but I dont feel Im in a position to give advice.You arent in a solid position to give advice. There is not a we unless your parents are merging finances with you and making joint decisions with you.My advice would be to make sound financial decisions yourself, become 100 independent ASAP, and demonstrate your sound financial decision makingjudgement by being professionally and financially successful. At that point, your parents will likely ask for advice if they need it. If you absolutely want to discuss their finances without them asking for advice, you could try gently bringing it up at that point despite the fact it is not fundamentally your business. I would accept that unless they ask you for advice first, it is unlikely they will accept it and change behaviors.There is no good way to approach this without coming off like an asshole, because if you are living with your parents as an adult receiving extended economic daycare unable or unwilling to support yourself your parents who make low six figures and support you are in the worst possible place to coach them on their finances. It will generally correctly come off as presumptuous, rude, and like you do not understand your place.That is not because you are necessarily wrong. That is just how humans work generally. They do not generally seek financial advice from those who they financially support because they cannot yet support themselves. I would not want driving safety advice from someone who had never driven a car or small business management advice from someone who had never run a business. Same thing. 