<prompt> Human: My mom has horrible spending habits. She always lives in the moment and does what makes her happy in the moment. Whether its buying lunch everyday, buying toys for her grandson, or buying whatever, she cant manage to save any money. Shes miserable because her cats both have cancerous tumors and she cant afford to get them the help they need. This is just one problem. Shes 54 and has no retirement saved. She has nothing but some credit card debt to her name and she has already filed for bankruptcy about 4 or 5 years ago. Ive had it with all her bad financial decision making. I realize it ultimately falls on her and how she chooses to live but I know I can help in some way. Not really sure where to start other than I think talking to a financial planner? What suggestions would you give me to help her finally change her life and who should I talk to?Thank you!  <response>: Does she _want_ to change? If not, then theres not much you can do for her other than try to maintain a relationship and make sure she knows youre there to help.I think the bigger question is how you insulate yourself from her profligacy. If she ran out of money and had nowhere to live, would you let her move in with you? You need to make it clear to her and to yourself! that regardless of what she does, you cannot sacrifice your own familys financial security for her sake. If she gets mad at that, I would navigate it by pointing out that the best thing she can do for her grandkids is make sure that shes not a financial burden on your family when she gets older. 