<prompt> Human: Hello, Awesome people of Reddit.My Father is a single 50 Year Old Construction worker living in New York, with No Savings, Zero Credit, and Lost his house to foreclosure The debt on the house is about 200kThe bank has sold the house so Im not sure if his debt on it goes away He is expected to move out of the house within the next month or two. Additionally, I suspect his taxes arent in order, and possibly owes the IRS a bit of money from under the table construction work I discovered this after my dad couldnt provide me with his tax return information, which resulted in me being declined financial aid for college.While I love my father he is incredibly irresponsible financially The House has been in foreclosure for 6 years and he has built no savings Also, because of the type of work he does With no Health insurance I dont believe he will be able to keep it up. Im his only son, and Im only 24 trying to get my own life together. I fear my dad may have unreasonable expectations that Ill be able to take care of him which is simply not the case.So for those who have been in similar situations, or just have an idea in general of how my dad can get out of this massive hole. Ill appreciate any, and all advice. Thank You. EDIT: I wanted to say Thank You for providing me with awesome Advice, and Life Experiences. All of you are Awesome!  <response>: Very very similar circumstance with my dad. Tennis instructor but in his mid 60s, doesnt own a house, 13k in credit card debt, gambling problem. Im a similar age as well and his only child. Its stressful to try to figure out their finances without their help while trying to manage your own as well. For my dad, I sat him down and told him to list out his expenses each month. When he gave me like two things, I kept asking about certain things until there was a reasonable amount. Then I made out a detailed budget for him that included a priority on savings. Not that hes used it. Hes very stubborn. If your dad is willing to work with you, this will help a lot though. If he is fiscally irresponsible, he probably doesnt know how to budget well or wastes his income somewhere. He may still be able to get a new place to rent if its under a certain amount of his income, even with bad credit. Encourage him to see how he can translate the construction career into something more feasible for his age for the future, depending on his health he should be able to manage for at least another 5 years or so. Go through it with him and try to pick out the skills he would have gained in that career and then what other careers use similar skills. If he is open to it and not stubborn, it will be a lot easier. For example Ill use my dad since I dont know much about construction. He managed a tennis club for years and years so he has some management experience, leadership, and recruiting skills. Explain that you may not be financially able to take care of him in the future, who knows what will happen down the line, and that he should have a better plan. He is still young enough to turn things around financially, but he should start now. I would say let him stay with you until he is able to pay off the IRS and find a place that will let him rent there though. Make sure he is consistently looking. This will also help you determine where his money is going. Good luck. Ill tell you the same thing Ive been told repeatedly when obsessing over my parents lives though- there is only so much you can do if they dont want to help themselves. That said, I personally can never stop trying. 