<prompt> Human: My father is almost 70 and is working for my aunts business. Basically he is on my wealthier aunts payroll.My mom is 50 and she has a job, that pays her very very little. I see her checks after tax is around 500 bi-weekly.They bought their house in 20062007 right before the bubble burst and were under-water. I think they were being foreclosed upon, but somehow got to keep the house. I saw that online it is shown as foreclosure, but my parents wont fess up about what actually happened and how they get to keep staying in the house. I know there was a refinance involved, but its curious that it says that the place was foreclosed online. I asked my mom point blank, and she basically changes the subject and avoids the conversation. So I know something happened... they just wont tell me what. My mom has taken out ALL of her 401k savings, so she has nothing saved for retirement. They owe the government taxes, so the IRS is garnishing my moms salaries. I think thats why she took out the 401k to begin with which was about 40k. My dad has no 401k to speak of. I think my dad plans to just work till he kicks the bucket. Mom is much younger so she will live longer.They have a 20k car loan that has nearly 19 interest! They have full balancesmaxed out on their credit cards, and make just the minimum payments. I see them still throw money around - they took us out to dinner the other night and insisted on paying for it. They are totally irresponsible.If you were in my situation what would you do? I hate to see them like this, and want to help them out, but I dont even know where to begin to clean up their debts and get them to start being responsible.  <response>: Their debts are not your responsibility or problem. That might sound harsh, but it was their choice to over spend and throw money around. You shouldnt feel responsible to clean up a mess they made. 