They're adults who should know better. We don't have any responsibility for our parents just because they raised us.

Cut them out of your life. They are irresponsible and children with money. I'd also say get a P.O. Box for your mail so they can't get it and open statements or banking information. And it would suck if they tried to declare you dead and take your assets. Also do try to see your credit report to make sure they aren't using your info for credit cards or loans.

The OP is absolutely right in not letting them stay at her place. After a short period of time and as soon as they get a piece of mail in their name at her place, the law protects them and can stay on as squatters for as long as they want (or at least if they're in the US).

Ugh, my parents are like this but not as extreme. They are in their 70s now and the older they get the more people try to scam them. Now, they are not homeless, they have a beautiful house and my dad still works part time. But he is so desperate to get his books and screenplays published that he gets scammed all the time forking over cash to these "agents". And don't get me started on the debt consolidators... It just sucks because my dad is stubborn and wont listen to me. They are the type of people that are constantly in debt and relying on their credit card. Not for critical expenses like the dentist or car repair etc. They will charge things that they don't "need", especially if it's on sale and a good "deal". For the past 20 years all I hear is what plans they have once they pay off their debt. It's never going to happen, everytime they get close they charge more. It's like never getting to your goal weight because you lost 2 lbs so you think you can eat cookies again.

So they wanna make money without any of the work. They sound toxic and should be completely cut out of OPs life

NTA. My parents also bad on money. Once I pay out their loan on bank which using our home as collateral. I made them promise not to do it again. Then I confiscated the house ownership document to be sure. What they do? They using my father's salary document as collateral for another loan on the same day. C**p... I love them but bad habit sometimes too strong

You are going to have to decide someday what to do about your parents. Are you going to step in and take over total control of them (from a safe, protected distance) or leave them for the government to take care of? Something to think about.

I need to find one of these to read where there's nothing really outwardly wrong with the parents, at a glance... they're just horrid, miserable See You Next Tuesdays that talked about how much they didn't want children all the time. Trying to raise mine and spend quality time with them and one day I realized I didn't really even know my parents. I know they got scammed out of my college money but it was through a registered broker who was drinking himself to death instead of investing- don't think that's their fault really... But I like, don't know what religion they are, I don't know their politics, and honestly I can't really remember my Dad ever doing anything with me after about age 6... But like, they were *there* somewhere. It's like the simulation forgot to give me a backstory when I try to think about my childhood lol.

NTA, but I'm a bleeding heart. I think she can help them a little bit. But I would never give them money. I would just make the purchases of some necessities for them. They obviously can't be trusted with money.

Do NOT help them at all. Do not stay in contact with them. If you do become responsible for them, they can threaten to report you for elder abuse to extort money and other support from you. It's time to sever all contact and move far away from them.

I know it's hard but, good on you for protecting yourself. Your parents certainly never did. You are NOT! the AH.

You are RIGHT 100% NOT to lend I am a parent too and I always go for children to respect and care for their parents but in this case you are absolutely correct not to give them any penny to invest in another deranged investment. Investment is good but don't put all your money in it. There's a saying a person who keeps doing the same thing and keeps getting the same bad result is.. You're on the right track girl. Keep going.

nta, absolutely fair. the more you help, the more they rely on you. it's on them, not YOU. you did the most you could do, and that's enough.

When you buy your house it would be best if they never learn where it is. I would even consider a different state, far away.

The only help I would provide is a number for Gov't assistance and if there is a support group for financial, money management.

The OP parents sound like they need therapy. They show evidence of a couple that is easily influenced because of desperation and not inspiration. That makes then an easy target for every get rich quick scheme out there.

had a friend somewhat in this situation (it was sibling not parents). The ONLY thing he did for his brother was rent a trailer for him so he wouldn't be out on the street. Nothing else.

I am a sucker, I would make sure they were able to keep the car running and buy them a tent. It also sounds like they have no jobs, so applications to fast food places in exchange for a night in a cheap motel.

It's just so funny going through most comments here, see I'm not supporting your parent but regardless of how they mismanaged their finances. They are still your parent and they will always be, the advice most people here are giving you is not what they do to their own parents. This is your money and I'm not asking you to give it to them but I'm suggesting you get them an apartment so that they can have a roof over them, 1 bedroom apartment or any, but don't give them the money, you can pay for a room apartment because what we do to day as children is what we will reap tomorrow when we have no capacity to support ourselves as parent. I'm not supporting people that mismanaged their finances but we have to treat and care for our parent. Take care

I agree that you need to protect yourself and your hard earned savings and not let their bad decisions become your problems or affect negatively your living arrangements, but I would not turn my back to them completely like it's not my problem. They are your parents and there must be a way to offer help (not money or loans or anything that will enable them negatively) maybe in helping them connect with a social worker or advocacy group for people like them, maybe by going to meetings with them, and you can always set boundaries and a check up system e.g. if I do this you have to show me that, enforce accountability... I know it's a very tricky situation, and I don't want to sound like I am preaching or that I know what to do, my whole point is that between letting their problems to ruin your life and turning your back on them there must be something you can do to help because they are family they are your parents.

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But a house with separate in-laws cottage. Charge them reasonable rent. Parents are human, and humans make mistakes. Usually it is children who don't follow advice. As a parent, I was quite unorthodox. I raised decent, responsible children who are now adults - and you should see them all go!!! As for me, I live under a tarp along the river. Mistakes where made, my luck sucks.

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