My step father has recently been coughing up blood. He’s been a heavy smoker for 2 decades and easily smokes a pack of cigarettes a day. I expected him to stop smoking now that he has symptoms that could be lung cancer, or at least until he gets the all clear, but it is business as usual for him. It honestly makes me sad and angry. My brother is only 15 and would be destroyed if my father was to pass away. My mother is somewhat dependant on him financially (although she does work) and they just got a new & expensive mortgage which I guess I’ll have to pay off with any money I saved since I graduated university. I tried to get him to stop for a while now but he just doesn’t listen. I tried to talk to my parents about potentially getting life insurance but they don’t care much for it. The cost would be around 400 euros per month which is expensive, therefore I’m more than happy to contribute half and they can pay the other half, but they won’t even agree to that. Of course paying 400 per month on my own is just too much (although I am considering). My mum simply said, well if he passes away you’ll just have to move in back with us so you can cover our mortgage. I understand I might need to help my parents when they are older, but they are just in the 40s but the way they live is so reckless, it keeps me up at night. I don’t know what’s the correct way of approaching this?
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You are not the parent. You are not responsible for your adult parents mistakes. He doesn't care about you guys or himself enough to take care of his responsibilities and your mom is going to use you as the backup. They are adults. Let them sink or swim on their own.
They are adults and not your responsibility. Your father probably does not have much longer to live, but I'm not a physician. You have no obligation to help your mother keep the house. Don't sacrifice your welfare for hers.
you are not responsible for his health. HE IS.
and he's telling you clearly what he thinks of it