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If there is any equity left in the house, a reverse mortgage might take care of the $40,000.
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Well, bottom line is that it really lies on the parents and them learning to say no and showing some tough. A lot of parents may be afraid of their children and the retaliation if they pull the plug on the ATM. I have a similar problem only its 2 brothers that are just coming into turning 60. The only ambition they both seem to have is they're daily ritual of drinking beer and smoking weed and neither are quite old enough to get retirement just yet. One has a live in girlfriend that has jumped on to the parasite band wagon as well. If my father were alive this behavior would never be tolerated. It's sad because my mother is such a sweet and giving person now having memory issues which compounds the problem. One brother has managed to con the government out of a monthly disability check like so many and more than capable of working. I can't imagine how bad it would be for my mother. if he didn't have at least that income coming in. I feel like I'm keeping the wolves at bay and it's my own siblings. It's so sad. They should be helping like I do her at this point in life. Maybe the answer discussing it with your parents and assuming control of their banking accounts.
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