Dear Dave,
Iím having issues with my youngest brother, and I need some advice. Heís 25, divorced and has two kids. He only wants to play dad when itís convenient for him, and heís very irresponsible with money as well. Our parents passed away a few years ago, so this leaves me to be the big brother and dad at the same time. I worry about him, but Iím not sure how to help him grow up. Any advice?
Dear Jeremy,
One of the bad things about these situations is watching people you love do stupid things to themselves and the people around them. And I donít know that thereís really a lot you can do without becoming the enemy to some degree. You can always try to hold him to a higher standard and refuse to tolerate immature, irresponsible behavior when youíre around him. You might even look for opportunities to use yourself as an example. Point out areas in your life where you made mistakes in the past and how you fixed the problems. But to go out and directly intervene in his life, trying to force him to be a man, would be a tough thing to pull off.
When I help people on my show, I have the benefit of them calling in and actually looking to me for help. These people actually care about what I think. I donít just walk up to folks and say, ďYou know, what youíre doing there is really stupid. Let me fix you.Ē I think thatís kind of the situation youíre in right now. I would also begin to pray for him, and ask God to bring people into his life who will have a positive impact.
You never know what might happen, and asking Him for help is never a bad idea. Who knows? He might even start dating some strong, mature young woman whoíll jerk a knot in his tail and straighten him up!
ó Dave

Late fees
Dear Dave,
Our family has an account at a movie rental store. I rented a movie the other day, and forgot to take it back on time. The late fees add up to $20. Iím in college and have a part-time job, so my parents think I should pay the late fees. They started the account, so shouldnít they have to pay the fees?
Dear Angie,
Technically, Iím sure your parents are responsible for the account. But think about this. Youíre the one who rented the movie and forgot to take it back on time. If you have a job and access to money, I think you should be the one to make things right.
Chalk this one up as a learning experience, Angie. If youíre grown up enough to be in college and have a job, then youíre grown up enough to start cleaning up your own messes. Thatís the way life works. It doesnít mean that your parents donít love you. In fact, it means that they love you enough to teach you a valuable lesson in responsibility!
ó Dave

Dave Ramsey is Americaís trusted voice on money and business, and CEO of Ramsey Solutions. He has authored five New York Times best-selling books. ďThe Dave Ramsey ShowĒ is heard by more than 8.5 million listeners each week on more than 550 radio stations. Daveís latest project, EveryDollar, provides a free online budget tool. Follow Dave on Twitter at @DaveRamsey and on the web at