A few weeks ago "J" got his state income tax refund back (about $125). His dad gave him the "opportunity" to learn how to save money and had him open a savings account at the credit union. A few days later, "J" got a notice that he owes Target $450 for theft recovery services. So we gave "J" the talk about calling up Target and making arrangements to pay the fee over time. A few more days later and he gets his federal income tax return $200). His dad takes him to the credit union to deposit it. It's been over 2 weeks since "J" got the letter and he has yet to call Target. We aren't going to do it for him. On Sunday, my husband picked up "J" from the homeless shelter and we let him come home to shower, get something to eat, and get his clothes washed. They stopped at the credit union ATM and my husband had him print out a balance inquiry. $25. (The minimum to keep in there to keep the account open.) So we ask him if he has called Target yet? No....big surpise there!!! How are you going to pay the fee we ask? "I dunno." (His standard response to any question.) Just a little background info.....when he WAS working, we made him give us his checks, we would cash them and then give him money a little at a time. Well, he was always mad at us because it was his money, his life, yadda yadda.....That's why we helped him with the savings account. But of course, it's still OUR problems because WE are MAKING him live on the streets!!! Nothing is ever his fault!! He's been living in the shelter for over a month, and hasn't made any effort to do anything. The main part of the shelter is closing this week as the weather is warmer, so he took his sleeping bag with him yesterday. We told him he'll get arrested if he sleeps in the park near the shelter or anywhere out in the open. He doesn't care. All of this tells me that no matter where he is living....either with us or somewhere else, he is not going to change. I don't know what it will take to make him understand.