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Is there an older family member that they would trust?
Could you put their name up for a money makeover?
Of course the other thing is, no matter how commendable your concerns, they may well feel it is none of your business; the more you try to tackle them about it, the more you may be pushing your Dad's head into that sand!
Perhaps what might help is putting together 3 forward looking financial forecasts.
I can tell by your message that you are stressed
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