<prompt> Human: Ill try to keep this as short as I can. My dads an experienced electrician and construction worker in his 50s, has been doing it for almost 20 years and makes 30hour. However, a couple years ago his financial situation started going severely downhill. He got fired from his job because he used the companys credit card to pay for his gas 1,000, found temporary jobs for 2 months, then got re-hired into his old one. During the time he was unemployed, he took out a loan to travel to see his family 10,000 - nobody knows why he needed this much, and before this loan he had other debt to pay as well over 500. My entire family lived together at that time, and it turned out he didnt pay enough rent for the 1-2 months he was overseas and we picked up the check. Over the past 5 years, my entire family has given him thousands of dollars to help him, but every year his situation gets worse. Hes severed practically every family relationship he has. Hes borrowed money from family members especially my siblings and I and most of the time has not paid us a single dime back. This is stopping now, as we have all decided to stop giving him any more money. Needless to say, my mother filed for divorce a couple years ago. My dad now has 40,000 in debt. The majority of this debt comes from a car he had to get after his old one broke down. Because of his bad credit, he had no choice but to take out a subprime auto loan to get the car, which carries an interest of 20. I currently live with him, Im studying to become a software engineer, have no car, so getting a job is difficult for me right now I will start working remotely soon. He refuses to get another job. I have told him I will help him look for jobs if wants, I helped him make his resume and sent it out to about 5-10 companies, he heard nothing back. This was 3 months ago and it seems like he doesnt want to try again. He has a relatively nice car, so I signed him up to be a driver for Uber and Lyft, but after doing it for one week, he refuses to do that now too. All he wants to do is borrow money, but that is no longer an option for him. He wants to take another loan out to pay all his debt off. We have urged him to file for bankruptcy as one of my mothers friends is a lawyer that helps people go through that process. He refuses doing that too. The landlord from our previous house has now threatened to send him to court if he doesnt pay what he currently owes in rent. Hes late on rent where we live now, too. As I mentioned earlier, nobody in my family is willing to give him any more money. He sits around all day on weekends and after he gets home from work on weekdays, goes on Facebook on his phone and watches movies for 6 hours without a care in the world. This month may be the month we get evicted, and although I can move in with my mother without a problem, he has nowhere to go. Im certain he will get sued by his landlord. The thought of my own father being homeless is troubling to me, but my siblings and other family can no longer keep getting dragged down with him, we have things to worry about ourselves. We think him losing everything is the only way hes going to learn to be more responsible. Our plan for the last 5 years was to help him financially, in hopes of helping him improve his financial situation, but every year it gets worse. Every year he makes more terrible financial decisions, and the worst part is, he refuses to try to get another job or to work any hardlonger to supplement his income in order to pay off his debt. All he wants to do is borrow money from others and sit at home. Is letting him be homeless the right thing to do here?Assistant: Its called rock bottom. He hasnt hit it yet. Every time hes had a problem theres been a safety net to help back up. Hopefully youve already sat him down and had this entire conversation with him in a very serious matter. You need to let him know youve reached your limit and that youre done. I know, its your dad and its hard, but enabling him isnt doing him any favors.Are alcohol or drugs involved? You didnt mention either item, but if so, you need to tackle that as well. Human: No, no drugs or alcohol are involved. This is especially hard for me because hes a really nice guy. Several of my family members have made it clear that theyre no longer lending him any money, but we havent all sat down with him to have a discussion. This is mainly because its impossible to have discussionsarguments with him. Hes irrational and never, and I mean never, wants to admit something is his fault. If you ask him why hes in the financial situation hes in today, hed name 5 other people and 10 other situations, but never his own decisions. To him, hes never been the problem, its always been bad luck or bad people. His inability to take personal responsibility over anything is at the root of why hes on the verge of being homeless, but he will never admit this to himself or to anyone else. This is tough for me because hes in his 50s, and Im terrified of what his life will be like 10 years from now.  <response>: Several of my family members have made it clear that theyre no longer lending him any moneyJust as a way for the family to come to terms with this I would stop saying loan or lending and start saying handout. A loan is expected to be repaid; he is asking for handouts. Ive had to deal with this with family and friends and if they keep saying loan they can keep in denial that they will repay and not examine why they need to constantly ask for handouts.Best of luck. 