Our expert says:
HE needs a proper financial counsellor, as there's surely no excuse for havin g this problem recur. If he lived within his means, he wouldn't need to borrow anything in the first place. I'd refuser to give him ANY firther funds until he holds a family meeting, confesses fully and in detail the extent of the WHOLE problem and how it keeps arising, and makes a comprehensive plan to solve it and prevent it from recurring.
Stop feeling guilty --- all,this is HIS fault, not yours, and if your [parents lack for anything, that's because of him wasting moeny, and not your fault at all. Don't let him blackmail you into feeling like "terrible" children for choosing not to waste your money by giving it to him to waste. Just say No, and that may force him to get financial advice and sort it out, rather than assuming you'll always come to the rescue.
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