<prompt> Human: My parents got divorced 4 years ago, and since then my dad has moved on with life, while my mom has stayed in a slump. During their 22 year marriage, my father was the money maker while my mother has a PT job at an elementary school cafeteria, just to have extra side money coming in. When she decided she wanted a divorce, she was obviously not set up to survive on her own in our house her PT job was never meant to pay any big bills so she moved in with my grandparents.In the divorce settlement, she recieved 80,000. She moved out and bought a 20,000 car. She said she needed something reliable since she no longer had my father to help her with car problems. She has 60,000 remaining and she has decided its time to buy a house. She went to look at homes and realized the average cost is 110k in our area. She has worked at the school for 11 years and on her last yearly raise is only making 11.50hr. I told her she will simply need to get a new job because you cant live off of PT11.50 as a single home owner. Her answer to this was getting a weekend job that pays her 8hr. She flat out refuses to find a new job,saying she is doing great where shes at.Now with her 2 jobs, she has applied for a home loan and is waiting to hear back. I did the math with her, and after taxes she literally makes enough to pay a monthly house payment and cell phone bill, NOTHING left over. But in her head, she is working 2 jobs and can easily make it. She literally turns a blind eye to my math calulations when I show her. In my parents marriage, my dad took care of all the bills since he was the money maker, so she has literally never had any experience dealing with finances. She does not even understand the concept of Interest, and we feel like we are watching her about to go broke and were scared for her. Even my dad broke down crying because he felt responsible for her being so clueless. I see her working hard 7 days a week, but she is just SO clueless about bills,home owning, taxes, etc. How can I be brutally honest with her, without making her feel like a failure?tl;dr: Parents divorced after 22 years, mother never handled any bills in her life. now has 60k, she is applying for a loan for a 110k home. she works PT making 11.50hr and doesnt understand she needs to make serious changes to even consider a home, but she thinks everything is great. How do I tell her flat out she is about to lose everything?  <response>: It doesnt seem to me like you need financial advice, as you know full well the financial situation and likely the correct decisionno house, rent a room or continue with grandparents.You should probably head over to rrelationships as they may be able to give you better advice on communicating with your mother and getting her to listen to your advice. 