<prompt> Human: I keep on lending my family money out of guilt even tho I know I wont get it back.HERE IS A STORY REGARDING MY PERSONAL DEBTHeres some background to me. Last summer I worked as a lifeguard 7 hours a day 5am-12pm 5 days a week for 3 months straight made roughly 4k with taxes deducted. I spent it here and there on food an my everyday needs of a High Schooler during the summer. By the end of the summer I had about 3800 left in my account and started school. During school I never touched the money except when I bought food with friends. January comes around and my dad ask to borrow money to help pay off my sisters school shes in college my dad doesnt work and has no money my mom works a 9-5 job and comes home and has to cook. I was quite confused as according to talking to my mom and dad we were ok financially. I ended up paying off my sister school that semester 2500. My dad promised me 10 interest on the money and hed pay me back in 3 months. Obviously that hasnt happened and Im still here with nothing from him. I told my mom about this and she was pissed she paid me back 500 once to pay back some of what my dad owes me and that was the last of it I heard. These past few weeks have been rough I was involved in an accident driving no-one hurt, we may have a law suit in our hands, and our insurance didnt go up I was removed from it since I didnt want to continue driving anymore so I bought an electric skateboard 900 I use it to transport me here and there and such. About 1 month ago I filed my w-2 form for the Summer of 2016 and got back 800. I went out and bought a PC for myself to use and then flipped it for 1000 then bought a 1100 pc and flipped it for 1400. I used that money I made to deduct from my dads debt he owes me since he isnt doing anything about it and I feel like crap knowing he owes me so much money. Fast forward to this month and my sister is in need of a couch for what? to study in her room apparently honestly another useless piece of crap we dont need. Anyways my mom agrees to pay for half which I dont understand why and then they end up asking me for the money since the credit card bill is due today so I ended up pulling 600 out of my account. My parents have several maxed out credit cards and make minimum payments to my knowledge. I believe their debt is like 50k most of it my dad because he signed upinvested a lot right before the financial crisis in 08.THE FAMILY DEBT STARTS HEREI was wondering what I could do to help? My mom has a job that is pulling in like 100k a year with benefits for the whole family. I want to help them build a budget so we can start tackling the debt more and hopefully pay me back in a reasonable amount of time. We currently are paying off 2 cars pre owned and financed through a credit union with a 1 interest rate for 36 months so around 200 a month on both cars total of 400 and then the house which we pay mortgage I believe like 500 a month? not sure. But is there a way I can look into this and then help them budget accordingly?  <response>: ummm the answer is simple and doesnt require a budget for them. you can basically kiss your money goodbye and you should NEVER lend money to them again. they are adults and need to learn on their own and not rely on their kid for a quick buck. let them sink and learn to budget for yourself. Go to school, make money, learn to budget and when you are comfortable then you can consider lending them money. 