I would say that it's impossible to judge someone else's situation from the outside, particularly in an environment such as this one.For a person in considerable financial trouble to get out of debt, stay out of debt, and create financial stability in their future, both a change of mind and a change of heart are required. The person needs to face their situation, gather the information and tools they need, and take some definitive and consistent action to get out of it. (And yes, I beleive bankruptcy can be a viable option, indeed in some cases it *is* the "responsible" thing to do.) This I would call a change of mind. And a change of heart means that you really, truly come to understand that your money deserves your respect and attention, and that you fully embrace your responsibilities toward yourself and toward others.The thing is, no one can make those changes for you. You have to make that decision yourself or it doesn't mean anything. And if a person close to you is struggling with these problems, it's doubly painful because you have to try and figure out how to help and support them while *allowing* them to learn these hard lessons on their own and make their own decisions.I think many of us on this board have made mistakes in the past, sometimes pretty horrendous ones, and have successfully turned our lives around. So it really doesn't do to assume that people never change. Some do, but it's hard, and it's impossible to judge the validity of the change from the outside.EditorialWewho has been judged before
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