<prompt> Human: I was going to post this as a comment to the guy saying he spent all of his grandpas life insurance but realized I had more to say. Anyways, both of my parents passed away in 2010 both unrelated and sudden. My self 18 years old and my two brothers received about 160k each after we bought a joint house. I did a lot of careless spending as well. I bought a new truck, put about 8k into mods for it, new clothes, vacations, etc. 5 years later I am down to my last 15k and have 3 more years of engineering to go I have gone for 3 so far. Im going to have to take out loans now. I sure wish I would have been more mature and budgeted it better. As far as my brothers go, my oldest graduated engineering this may and has a job spent all of his money too but managed to graduate fast enough to have no school debt. My youngest brother has spent everything, he bought and sold over 10 cars for a loss each time as well as other pointless things. He dropped out of high school shortly after receiving the money and is now doing nothing. Ive had to lend him some of my money for him to buy food and car insurance. I dont know what you what point Im trying to make but I wanted your adviceto get it off of my chest.EDIT: The house we all bought is worth 150k with no payments. We gt 1400 a month in rent for it. It would take over a year to sell as similar properties here have been on the market for a while. I figure the 300 that I get from it a month will help me pay my monthly expenses at school. I also underestimated my saving. I have about 20k left. 150k spent in 5 years assest are a 2012 pickup 20k spent 35k in total, a 2001 Toyota echo 4k 35 mpg, and a snowmobile 3k.I am also going to stop lending my brother money as I have been loaning him less and less. He needs to realize I am not a Bank.Assistant: Stop lending your brother money, all youre teaching him is that he can come to you and borrow money.Human: I totally agree and have done this for a period of time but I know if he doesnt have money for insurance and stuff then he wont be able to go to his mechanic job that he makes 200 a week at.Assistant: I love my family. As part of that love I refuse to let them harm themselves, even when they dont know any better. If my brother was a heroin addict I wouldnt give him money for drugs. If my brother, like yours, had a toxic relationship with money and lacked the wisdom to try to fix it I wouldnt give him any money because its just going to make his problems worse.Its not tough love to tell him no and that he needs to pretend to be a responsible adult for the first time in his life. Its just love.Might he be a candidate for the Dave Ramsey program?Human: Thanks you. I have been lending him less and less. Its like 100 a month. Im not going to do it anymore as I cant support him as well as my self. What is the Davey Ramsey program?  <response>: Dave Ramsey is the author of The Total Money Makeover, a simple plan intended for regular people to turn their financial lives around through getting out of debt, saving for the future, and living within your means. Hes a controversial guy who loves to stir the pot, especially when it comes to investing advice, and he wears his Evangelical Christianity on his sleeve, but if the plan would help your brother hed be in 1000 better shape.He also has a daily radio show available as a podcast. Note also that your brother will never ever pay back the loans youve been giving him if things stay the same. You should consider them gifts at this point. 