You can lead a horse to water , but you can ' t make it drink . That ' s your father . He doesn ' t want your help . To me it sounds like , then , that your brother and you should start your own financial lives and build them up , and become independent of your father financially . At some point in the future , your father may actually come to you for help . Maybe when he ' s older and less capable to make money . At that point you and your brother can decide to give him some help and maybe at that point the two of you can do that without suffering bad consequences for your own finances , because you ' ve got everything running smoothly and you an afford to help him out I would hope so ! . So focus on yourself , right now . Perhaps move out of the house , start paying down your student loans , start building up your savings , start building up retirement accounts . Build your career , too . Get a grip on your own finances , so that maybe at some point you can help him out , when he really needs it . One more thing your father has a history of not spending his money wisely . You say so yourself . So maybe it ' s good that he won ' t accept your money , now . Because he could easily pay down the debts and then somehow go into debt again . And that would be a waste of your and your brother ' s money .