<prompt> Human: Let me see if I can keep this simple:My parents have made terrible financial decisions all of their lives. Nice people, but more like children who are terrible with money. They are still in their 50s and have 10,000 in retirement savings between the two of them. Dad was the breadwinner and lost his job a year ago. He has found no work since but is barely looking due to disability. He is in constant pain, has no medical insurance, and only recently started the process of trying to obtain disability. This is a sinking ship and I have no idea how it hasnt gone completely under yet.They are in the position they are in because they made bad decisions. I offered to help them sort it, they did not accept until it was too late... And even then, they only accepted half heartedly. I spent a ton of time and energy helping them clean things up and get a budget, but then things fell apart. The problem is, theyre now disabled and will likely be homeless in a matter of months. They arent doing anything to help themselves. Im concerned this is a mess that is going to fall into my lap and I am so angry that they wouldnt let me intervene sooner. As for my husband, he thinks giving them money would be the equivalent of lighting it on fire, since they cant or wont stick to a budget. Its like theyre watching a train about to go off a bridge but arent trying to stop it. I think they think one day they will wake up and their problems will go away. What can I do? Honestly, I dont want to be involved in this in any way because Im so frustrated with it. Ive been begging them for over a decade to make changes and they just will not. And now Im starting to get bitter about the fact that they will need long term assistance because of these choices. Everything I read says dont help them and Im angry about the idea of bailing them out and Im honestly overwhelmed thinking about it, but every other scenario doesnt have them disabled with no medical care. How does this situation play out?  <response>: We have been there with family before too. Dont help them with money. All you can do is be supportive and help them with your time and advice. If they choose not to take your advice then that is their choice. IT IS HARD to see a loved one destroy themself. But you cannot let their poor choices and lack of effort derail your life. 