I reach out regularly to talk to my brother. His family situation is very heavy. A few weeks ago his wife, who is Cuban, flew to Cuba for a family emergency. She is now effectively trapped there until Cuban/US relations change.

Now they are down to one income and he is struggling to pay the bills.

My brother is kicking his financial problems down the road. He apologized for asking me for money, yet he's not doing anything about that situation. I offered to pay for a good financial counseling or debt reduction program. He didn't seam interested.