<prompt> Human: My mom has been in credit card debt for years. She wont tell me the exact amount she is insecure about her finances, but I believe it to be in the 15k - 20k range. A few years ago I think it was north of 30k, so she has been improving her financial situation over time.However I know for a fact that the only reason she has been able to reduce her debt is by taking early withdrawals from her IRA she is 55. She currently has about 300k in her IRA. I believe over the past few years she has taken north of 100k from her IRA in early withdrawals. And yet she is still 20k in credit card debt.She makes about 60k a year as a registered nurse, and her house has been fully paid off for a few years now. So to me she should have been able to pay off this debt by now. Does anyone have any advice to how I can get her to get rid of her debt as soon as possible, especially before retirement age? She has already taken so much from her IRA in early withdrawals, I dont want her to be spending whats left on credit card debt, even after she turns 59 12. What hurts the most about this is that if she had been letting her IRA build over the last 5 years or so in this bull market, I think she would have been on her way to a very comfortable retirement by the time she turned 65 or so.I have offered to help pay off her debt multiple times, she wont take my money.  <response>: You cant help people who dont want to be helped. 