My sister’s financial situation is incredibly challenging, beyond any reasonable understanding.

To be honest, my sister’s life is quite chaotic. I can’t think of a single family member who likes her husband, and she became pregnant with him at the age of 18, which led her to drop out of school.

However, I’ve always believed in the principle of not meddling in someone else’s affairs if it doesn’t directly concern me. That was my mindset until our parents guilt-tripped me into assisting her with managing her finances, mainly because I work in the field of financial technology, and they are clueless about what it truly involves.

Over the past two weeks, I’ve been dedicating my time to helping my sister and her husband navigate their challenging financial circumstances. She is currently working part-time, putting in just 8 hours a week, while her husband earns a modest income of around $1,800 as a cleaner.

They are under a mortgage for a home they cannot afford, have 2 kinds with a third on the way, and neither of them seems to have any motivation to try and find better jobs to pay off their loans despite this being a worker’s economy at the moment.

Despite all this though, until 2 days ago I thought they could at least pull their heads above water. The only debts that they told me they had were the mortgage and a single credit card.

I helped them a few hours over the weekends but noticed that something was not adding up at all. They refused to show me raw bank statements, giving me rough estimates for outgoing charges or edited statements to “help me understand their account better.”

I knew they were both lying to me and I told them last Saturday I’m done helping them unless they’re honest with me. Sister finally fessed up and told me they were hiding debts and loans from me because “she was embarrassed” and “didn’t want mom and dad to know how bad it was.”

I was annoyed but told her to give me EVERYTHING and let me look over it this week alone to come in this weekend with an actual strategy to help out.

Folks, dumb and dumber are roughly 115 thousand dollars in debt between them. This does not include their mortgage and loans after loans.

Some of the highlights include:

6 maxed-out credit cards

a handful of debts I cannot figure out where they got them from

a car loan that they can’t afford

other miscellaneous loans

I don’t know how in gods good name these two have survived this long. They bleed over a thousand dollars a month just paying the minimums on all this and have been living off credit cards for probably a long time.

My brother-in-law asked me if I had taken a look at what they sent me last night. He said he was excited to hear my “silver bullet strategy” while I downed shot after shot of whisky reading this nightmare they’ve involved me in.

There is no silver bullet, these two are doomed. I’m not going over Saturday. I’m gonna tell them to find a bankruptcy lawyer and hope they survive whatever process comes from that.

Not my monkey, not my circus.