What Should You do With a Spendthrift Adult Child?

Ginny has tried everything to help Sam live within his means. She’s made out envelopes for recurring bills, created an online budget that’s easy to track, even offered to let him run his accounts through hers. Despite her best efforts, he consistently spends more than he makes, overages that she covers—and covers up with her husband. Is it time for Ginny to say, “It’s not my problem”?

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