<prompt> Human: Alternate title: Please advice how to counter-argue with my mom about taking up a 100k loan with a measly paycheck.Today, at our family gathering, my mother announced that she has decided on a retirement home for the her and dad. My mother will be retiring in four years, my father just retired last Friday. She showed us the pamphlet for the property, its a two-story landed house in a developing town 45 minutes from the nearest airport, costing around 540k. To help her pay for this house, she said, each of us would apply for a personal loan of at least 100k, and dad will cover the rest. My Doctor sister agrees, since she has quite a bit of combined income with her husband, my brother is a bit on the fence, hes an educator in a college but he has just forked out a loan for HIS apartment of 360k, my little sibling just barely graduated and working at around 24kyr. Me on the other hand, is a small-business owner. I work from home ever since my child is 6mo, now hes 30mo. My business is rather seasonal, just enough to pay my bills with nearly no profit, but I do it just because of work flexibility, passion and just trying to get my brand-name out there. Husband doesnt mind covering it all, since makes 60k a year, no mortgages, has two fully paid well maintained vehicles, he has no student loan but I do at 30k left. Mom knows very well that small-business owner dont usually get their loan approved in this town, so she asked for me to scrap my business and apply a normal job. The things is, for my degree and even master, at this town, the salary dont go beyond 36kyr has been pretty stagnant so even if I drop my business now and got back to the workforce, Id still be burdened by a 100k loan even if the banks are willing to loan to a new worker like me. Also even if I want to take a joint loan with my husband, I would rather it be in having our own house, since he works two towns away, in an at least two hours daily commute. He has been driving me around neighborhood that he likes in terms of price and location and talks about getting a house there for us. I also need to add that both my parents are government servants; I estimate my dad used to make 180kyr while moms now at 48k. However, they have been very troublesome in financial management in the past. I remember unpaid utility bills and cable, getting notices, credit card debt, their penchant of changing cars and gadgets every few years, so Im not sure whats left of their retirement piggybank. They have a few properties though, which they are renting out to me and my sister, which we dutifully paid for 1000 and 600mo respectively. Mine is heavily renovated so its 400 more. This is why we are so pressured to apply the loan, since we have been sheltered by her generosity of letting us use up her properties cheaply in a rather expensive town. This is a very difficult situation to say no to, especially being an Asian family, where filial piety is expected, such as sending gifts, giving a part of monthly paycheck, helping buy items that they want, and ensuring their subsistence after retirement. Theres a saying in my language that goes, even if you buy the whole world and its contents and give it to your parents, you can never repay them for giving birth and raising you to adulthood.Still, I think her request is illogical and impractical in this economy, and I need some logical arguments from you guys so I can reply to her the soonest. Shes the type who can use the words to win an argument too, so I need really solid facts. I as a noob, can only think of personal loan is bad!! and nothing else. Can you help?  <response>: 1. Tell them, no.2. Advise them not to buy an expensive home.3. Advise them not to buy a two-story home unless they are active and not likely to fall and break their hips. 