<prompt> Human: Short story:SO graduated 3 years ago, has an entry level job that is low paying - around 15hr 30-40hrweek. Somehow has been getting further into debt despite no rent or car payments. Long:A few years ago she told me she had about 5-6k in CC debt. We sat down and mapped out a budget and I showed her she can really pay it off soon. Both cards were about maxed out. I taught her a little about interest etc. they were really high - mid 20s?She payed off one, right before going on a vacation out of state with a friend. By chance the CC company noticed she paid it off Im guessing and sent her blank checks and a new card and a new limit. So she wrote herself a check for 500 for the trip. Fast forward to now, with the limit increases its up to 10k total debt. All while paying no rent, no car payment, etc. The thing is she isnt wildly spending as far as I can tell. Just here and there she made a few 100 mistakes but besides that shes not buying clothes all the time or going out every night or anything. I am curious where the money goes but obviously I dont want her to resent me for getting in the middle of this. Any advice? Im thinking it may be more of a behavior problem and might suggest therapy?Btw, Ive already showed her Dave Ramsey, she had the book and has been reading it. A while ago I started a new job which offered Dave Ramseys budget software. I asked her if she wanted to use it, but she got fed up with the pre-questionnaire and gave up :  <response>: Sounds like she has a combination of a spending problem and a only making minimum payments therefore only spinning her wheels on her debt problem. 