<prompt> Human: So Im finding out slowly that my immediate family has not managed money well at all. This includes my mother divorced, low income, no savings, uncle low income, big spender, no savings and grandparents no income, dwindling savings have been shuffling money amongst themselves in order to keep each other afloat, with the result being that now theyve dug themselves into a big hole. Without getting into specifics, Im unsure how to approach this delicate matter for a few reasons:Im 26 and perceived as the baby of the familyPrideEgo will certainly come into playBIG moves will need to be made moving in with one another, selling apartments, etc.My question is - how can I approach this tactfully and delicately so that my message as distasteful as it might be doesnt get lost? Put another way, how do you interfere with family finances in a way that is both effective and well received?  <response>: Unless you wait until asked, they will most likely resist and resent anything you suggest. Why do you think you need to solve their apparently long standing problems? Other than your own good ideas, what do you have to offer that you expect to be powerful enough to change decades of habits and behavior? 