Comment by ghettoCoder

Wouldn't we all love an extra $20K! In your scenario the cycle will likely repeat no matter how much money is injected into their life, and then what, throw another $20K at them? I've sadly had to watch this happen a few times with family and friends and the truth is they can not be helped until they stop externalizing their problems and take ownership. It's an ugly truth that makes me uncomfortable writing because there's a fair bit of suffering on that path.