<prompt> Human: My parents have not made good financial choices ever since my father lost his job a few years ago. Hes in his 50s and was given an early retirement option in a round of layoffs. He subsequently cashed out his 401k and lived on that for the past three years instead of seeking another job. His rationale being that he wants to enjoy his retirement before hes too old and frail to do it anymore then work until he dies. I thought it was an extremely poor decision and now the consequences are here...The money has now ran out. Their plan was to sell the house and move to something smaller wherever he finds employment now that their kids are moved out, but he hasnt been able to find anything and the house hasnt sold. My mother has approached me about loaning quotes because I do not expect to be ever be paid back, given their current financial situation and job prospects in this state them 3,800 to make their payment this month. I am paid relatively well and have the money to give them though it will hurt my hopes of paying off my student loans early, but I see it as prolonging the inevitable. I wont be able to cover the next months payment and its unlikely the house will have sold by then. I know this isnt a relationship advice subreddit, but the emotional aspect of flat out telling them no will really hurt and Im upset that Ive been forced into this position. So I would like to approach them with some actual facts. Is it really worth it to help them make their payment this month just so that the house can last an extra 30 days before the foreclosure process begins? Are there government programs that can help people in their situation?  <response>: Is it really worth it to help them make their payment this month just so that the house can last an extra 30 days before the foreclosure process begins?No. Giving them the money would be selfish and stupid. Doing it does not help you. Enabling does not help them.All it would do is allow everyone in the situation to pretend as if this was not the obvious consequence of their bad decisions, and something that should be accepted as reasonable.So, dont do it. The only upside is that it allows everyone to be a coward. 