as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
how do i explain why debt on debt is bad to my brother?
user
the only thing that comes to mind is a recent hbo real sports segment (http://www.youtube.com/watch?v=wdjkbgrgcmo) on a couple of nfl players who blew all of their money.  seeing how they've ended up might make the right impression, but given that your brother ran up $148k in debt, i'm not optimistic.
assistant