Nancy,
This is so sad and all too familiar. When faced with daily choices and decisions they just cant get beyond gratification.
My friend just learned that her addict husband is very mentally ill with several personality disorders.....Something we knew. The neuropsychologist explained that he had an inability to make decisions at age 60! He told him that he should pick 3 trusted people to bounce every choice off.Trouble is he doesnt have 3 only his estranged wife my friend.
His parents were major enabling alcoholics. He never even married until he married my friend at age 47. Because
He was so isolated, he never got help until she could no longer deal with him......now he is in a half way house and still not making good choices, esp. With mmoney. My difficult child is the same. I dont know the answer. But I dont want her to be in his shoes.
I feel your pain. I heard about an organization here that helps with these issues at FA last month. I need to find out more because I did not write down
the name. I am hoping that difficult child might be open to their coaching. I can see her right where your girl is if she doesnt become better with her money.
Maybe your difficult child might be open to coaching from something like this or even one of those credit places that negotiate your bills? Hugs and more hugs. Its so hard to watch this all happen and be so powerless.