<prompt> Human: My parents mother and step father are complete and utter failures when it comes to managing their finances. I have been a lurker on this sub for a while, and given them as much advice pertaining to personal finance as I have been able to, but I no longer know how to help them after learning the real horror that is their financial situation.What I have done so far: calculated and and averaged out their monthly income added together all of their monthly expenses advised them on a few cost cutting measuresHere is a breakdown of their monthly finances based upon the information they have given me: Monthly take home between the two of them, after insurance etc 3,150 Bills: Rent650, Car 450, Car insurance 125, Cable 150, Phones 130, Electricity 280, Propane house in the country 500, Food groceries only 170, Credit Card 200, Gas 400, Furniture financing 230, Internet 60 Total3,345I saw that their monthly budget exceed their monthly income, and I have paid their early termination fee to cancel their cable. The rest of their finances are pretty much locked in. They owe more on the car than it is worth, so it is unsellable. They have a cheap prepaid phones, but the problem is that one of them has financed a phone costing them an additional 50 monthly which they cant afford obviously. Their gas expenses are so high because my stepdad works an hour away in another city, and nobody lives close enough to carpool according to him. So I am not sure where else they can cut. They both have credit scores in the 400s.And the worst part is, They owe the IRS 1300 from money they made getting bought out of a previous house, an MY MOTHER DID NOT PAY ANY TAXES ALL YEAR FROM HER CHECK AND HAS YET TO FILE. Any and all advice is helpful. I am trying to be tough on them, but I am in no way, shape, or form a financial expert myself.  <response>: Well, you either leave them alone to sink or swim, or you keep giving them your own money and scew yourself out of a happy life.Theres no middle ground. Sorry. 