We thought Difficult Child was doing so well. Goes to work consistently. Feeling better on the new medication. Goes to therapy. Goes to improv class and group therapy for his social anxiety. Saving money, has 1000.00 in the bank. Until tonight, when we asked him to take over paying his bus card, which is about over 100.00 bucks a month, and he told us he couldn't possibly do that, because he's in credit card debt to the tune of 3000.00 or something. He will be getting an income tax refund, which will go straight to the credit card debt. Full disclosure of all finances will have to be a condition if we are to continue to support him. Now here is a complication. He has a loving, but enabling grandmother. Grandfather was killed in an accident last year, and there is a large cash settlement ensuing. Three of Difficult Child's cousins have been given large amounts of money by the grandparents. One cousin is very close to Difficult Child AND this cousin told him to expect a large cash infusion from Grandma. This cousin has been "loaned" over 30,000 and stopped paying on the loan months ago. My husband, the executor of the estate, told our son to expect no such payment. Husband has been considering legal action against his nephew and did call department on aging but has not filed a complaint yet (Grandma is alert and oriented x 3) Difficult Child claims that he is not using the credit card anymore and is making a little more than the minimum payment. He was given a talk on the evils of credit cards and the necessity of paying this off and getting another job, now that he is feeling a little better. We've been too soft on Difficult Child financially. That is true. But we have no control if he goes out and gets approved for a credit card. I plan to hold the Ventra card over his head and cancel it if he doesn't do what we tell him to do.