<prompt> Human: Hi everyone. I am using a throwaway as my situation is known to friends and family. As the title indicates, I work with my family mom, dad, brother, and sister in a small just under 1 Million in revenue family owned business, and there are some major issues that have me really concerned about my own financial security and wellbeing. I am 28, married, and our first child is on the way. My wife and I own a house and finance two cars but otherwise have no major debt. Our gross household income is around 140,000. We spend about 7,000 a month on expenses mortgage, cars, insurance, groceries, utilities, gas, etc. My wife is maxing out her 401k and we end up putting 1,000 - 2,000 into our savings account each month. We have about 40,000 in cash and 40,000 invested in stocks.I work in insurance and was determined for most of my life to never be part of my familys insurance agency. I just wanted to do my own thing. However, after a few years of experience in the industry and getting married, working with my family and eventually purchasing the business from my parents became rather enticing. I left my previous employer and joined my family business about two and half years ago. Fast forward, and here is the current situation:My brother is on the way to rock bottom of alcoholism and hasnt come to work for a month, and when he is at work, he does not do much. He seems to have developed some psychological issues as well, and I have no idea what is really going on with him he will not talk to me or anyone else about it. We have advised him that if he is not in a 90 day program by 12312017, he will be terminated from the company. My sister has been diagnosed with Crohns Disease and has been mostly unable to work for a few months now. She started treatment last month, but her prognosis is mostly unknown at this point. Not only that, but she has severe anxiety and depression. She is fortunately seeing a therapist and psychiatrist. My mom suddenly split with my dad after 30 years of a seemingly perfect marriage. She is eerily cold and uncaring about the whole thing despite how much pain it is causing my dad and the rest of us, which has me wondering if she is also suffering from some mental illness. However, she does work a lot and essentially runs the business primarily regarding finances and servicing of some business clients. Meanwhile, my dad is of course broken hearted and just turned 71. He is picking up some slack from my sister but otherwise would rather be playing golf once or twice a week.Despite all of these issues, I am doing my best to work hard and prepare for the birth of my child. I am always the first one in the office and often the last to leave. I supervise our two non-family employees and manageservice many of our clients. I put great care and effort into upholding the integrity and success of our business, but I feel like that is no longer enough. The business is suffering as a result of my familys issues, and I need to do something to protect my wife, my unborn child, and myself, but I am just not sure what to do.My brother, sister, and I are each 10 shareholders of the company. Though I own 10, I am not currently being paid that way I earn around 70k. My parents split the rest of the shares. I figure that options are as follows:1. Push for selling to a larger agencybroker. We have brought this up numerous times in our discussions due to the dysfunctionality of our family and business. Since my parents are relying upon the proceeds from the sale of agency for their retirement, this would be the safest option for them. My own fate in this option is not guaranteed, but I would most likely be kept on board for a certain amount of time by contract to help retain clients. I am great at what I do and I work hard, so I feel like I would have pretty good job security with this option. The down side is that I give up the opportunity of owning my own business;2. Go for it. The prospect of purchasing the agency is the whole reason I joined my family business. However, I am concerned about working with my siblings. My brother will definitely not be working at the agency, but I am not sure I want to work my sister either. Though I am good at what I do, I of course am apprehensive about my ability to run a business successfully. 3. Jump ship. This option has been running through my mind quite a bit lately. My family has me really worried, and I just feel like leaving and finding a different job. However, I would probably need to wait at least 6 months until after our baby is born to do this. Though, it would be a bit embarrassing asking for a job and an interviewer knowing that I left an opportunity to own my own business. If I left, my parents would definitely sell the agency to a larger agencybroker.Sorry for the long story, and sorry if this is the wrong sub for this kind of thing. Any advice would be very much appreciated. Thank you.  <response>: Buy them out and fire them, or quit. Those are the only two things you should be consideringIve bought and sold a couple businesses in my day, and more than one the reason the business was failing and I was able to buy it at a discount was due to it being a family business employing family members who were either bad employees or didnt actually work, but held the family connection over the owners head to keep leeching cash over the business. 2 of my purchases were laundromats with that situation, both were started by immigrants who had their brother, mother, cousin, and uncle all working for them, but not doing any actual work or adding any value, but still taking a paycheck. It was just the culture the business owner came from that you take care of family if they ask, and he was getting taken advantage of, badly. If you do this, one thing to keep in mind is security. When I bought those businesses and insta fired the leeches, I received death threats, the business was vandalized, and I had to hire security for a time while the police took care of everything. 