<prompt> Human: I just found out that my father has upwards of 7k of debt on a credit card that nobody in my family knew about. Hes done this before about 14k last time, and it pretty much fell on my mother to pay it all off. He has been working a low paying job, but hes been spending money on dining out, expensive groceries, specialty beers, work out equipment, and other various toys. Essentially, his income cannot support the lifestyle he wants, but hes been getting away with it because my mother has been paying for most of the essential bills mortgage, utilities, groceries, etc..Id like some advice on how to approach this subject with my father, because its clearly a recurring problem.I understand the solution is to have him stop using credit cards, decrease spending, increase income, make a budget, and pay off the CC debt as soon as possible. How can I get him to understand that he NEEDS to make these changes? Should I suggest that he use Mint or YNAB so that he actually sees where all his money is going? The other issue is that my father thinks too highly of himself to do more menial jobs, and refuses to apply for something that is below him. He used to make a lot more money than he does now, and he thinks thats what hes still worth. This seems like more of a mental personal issue than a personal finance issue, but it has been directly affecting his and my familys finances for years, so any advice would be helpful.Thanks.  <response>: Hes your dad- he knows what hes doing is wrong. The only thing that will come out of a conversation with him about it is denial and defensiveness. This is your moms problem to deal with and hopefully she makes the right decision for herself. 