<prompt> Human: TL;DR at the end.My fiance 32M and I 25F have lived together for about a year and a half and have a 2 month old son together and live in my home that Ive owned for almost 6 years now. My mother divorced my dad about 6 years ago and has been married to her current husband for about 5 years. I have no ill feelings about this occurring. We are all human. They have been okay with keeping their finances in order or so I assumed as they both have jobs but theyre definitely low paying. Theyve never been evicted for not paying rent or anything of the sort.Last year on Oct. my mother called me to ask if they could come live with us. After talking to my fiance about it he reluctantly agreed. So they move in and everything is great. Like, really great. Such a breath of fresh air to have roommates who cook supper, help with the kids, and keep things clean. I had my cousin live with me for a few months and he did none of the sort. It got pretty unbearable for everyone pretty quick. My mother had been giving me 200 every two weeks to stay here. I told her she didnt have to. That I love them and family helps each other out no matter what. So she donated me the money. Then comes the 8 month mark. Her husband gets back surgery in June this year. I feel so glad that they have somewhere to be and not have to worry about living expenses in a time like this. My mother stopped giving me any money during this time which is understandable because her husband has no income for the duration he is out on medical leave.Here comes the problem. He would do nothing. Nothing at all. Unless of course you consider sitting around smoking 3 packs of cigarettes a day and playing games on his tablet. I know youre thinking, not a big deal, hes just had back surgery what do you expect him to do?. I dont know what I expected but I didnt expect him to be buying Google Play Cards every day to spend on a silly game when he wasnt working. My mother had no clue doesnt still and he would tell my fiance not to tell my mother and to make sure I dont tell her. My mother was working overtime to make up for the deficit. She had no days off and would always be at work, no wonder her husband didnt want her to know he was spending hundreds of her hard earned dollars on a game. A game he chose to play instead of picking up a broom. Or folding laundry.Im still angry about this. I try and put these thoughts out of my head and start talking to my mother about their financial situation. As I hadnt seen or heard of any progress toward financial independence on their part. She tells me shes not entirely sure as her husband handles their finances. Its really sad because her husband will take her out on drives she doesnt really want to go on to look at houses, cars, and fake shopping trips at the promise of these things being theirs once they win the lottery. My poor mother. But she did divulge that they owe money to several debt collectors for payday loans, old medical bills, old credit card bills etc.. My mother also get her paychecks garnished too. I had no idea. I asked her if she has anything in her 401k at work. She denied her work even had 401k. But I quickly searched online and found out they in fact did and it has a really good match. 100 match up to 3 then 50 match up to 6. I told her this. She got defensive and said it doesnt matter because shed probably only have 5k in it by the time she retired anyway. I pulled up a 401k calc and found out she would have just under 75k in her account in 10 years if she just contributed 5. She went to her bedroom and shut the door, obviously frustrated with me.Later on I asked her and her husband if they have a plan of action to become financially independent. She said no, that they planned to move out next year when they got their taxes back. this is also what their plan was last year but they didnt get a very good refund. About 4 days ago she tells me they got a letter from the IRS saying they own a chunk of money from 2 years ago. Apparently her husband cashed out his 401k from his former employer 2 years ago and didnt include it on their taxes because they couldnt afford it. They got 16k and it was gone in a few months. I had no idea they were so financially irresponsible. So she said shes just going to let them withold it from their tax refund next year. When I talk to my mother about finances I am very gentle in manner and am careful not to sound harsh but let her know I am concerned. She has responded in a way by shutting down any attempt to talk about finances.I think she feels like she is failing so she just wants to ignore it. Which is how I think her and her husband have always dealt with financial stress. But they obviously know it comes back to bite them. Her husband started back at work yesterday. But he now gets lower pay because they placed him in a different position than when he left. Hes lucky to even have a job as hes been out on leave for over the 12 week legal limit for protecting his job. I noticed he was in a bad mood today and when my mom, him, and i were all sittin around she asked if he was unhappy about his job situation. He nodded he was and she said well lets start finding you a job that you like. He just said no one will take him, hes too old 54. He wouldnt even hire someone as old has him. I couldnt take it. I said, Dont be ridiculous. Theres places that will hire you. If you wouldnt hire someone like you then make yourself into someone you would hire! Its not all about age. You cant look at things like that! He said, Its not my fault, its-- I said, Its no ones fault but youre own. Where is your ambition?? Why live your life like that and have no drive? You have to make yourself. My mom chimed in and agreed. He left and went to his room and shut the door.I dont know where to go from here. I honestly want them to learn about how to handle things on their own. I would be happy to help. But its such a touchy subject and obviously too personal for them. They know theyre in financial peril and actively ignore it. How do I get them to see they can fix their mistakes even with the meager income they earn?TL;DR Parents live with my fiance, 3 children and I. They arent really trying to help themselves and are disinterested in my advice.  <response>: This is really difficult. I cant imagine how hard this would be for me. It must be very painful for you.First off, you do have some leverage. I assume your father in law is using your internet. So turn it off, put some secured password on it and block him out. Tough love honey.Second, establish a rent figure for them. 200week was good before so it should be fine now, especially since he is back at work. Then set up a bank account and deposit the funds. You can then choose to use these funds in the future for their benefit, as an emergency fund for medical expenses for example. You could use it to start making payments on their debt if you want be careful with this; maybe consult an attorney. Dont get me wrong, this is your money. But you told her at first that you didnt want it, so maybe you dont need this now. But I doubt theyre going to wake up tomorrow suddenly being responsible so this gives you some operating capital to address their issues.Third, back surgery is very difficult and painful. It may be that your stepdad is going through pain and having difficulty adjusting to a reduced work level and is feeling defeated; many people would feel that way in his place. He might get help from a physician, physical therapist, or counselor if he were willing to go to one. Finally, it sounds like at one time you had a really nice setup going with them, from Oct-June. Lets focus on that. Tell them you were very happy with having them as roommates with the way it was working before and youd like to get back to that. Focus on the positives, things that you know they can do because they did it before. Baby steps and maybe theyll improve. Good luck. Id never be able to kick out my parents either if they asked for my help. But I would be careful to set my limits with them and so you should be too. And be nice to your fiance, sounds like hes coping pretty well if he isnt complaining - many people would find it rough to live with the inlaws. 