Ramit argues that continuing to provide financial assistance to an adult child who repeatedly fails to repay loans is unsustainable for elderly parents.

“Your son hasn't paid you back repeatedly. He's probably not going to pay you back.”

Janice expresses the view that she and her husband must stop financially supporting their adult son to ensure their own financial future.

“We've got to cut him off. He wants to do this by himself. He wants to be independent and all that. So, we've just got to do it.”

Michael believes that despite past financial betrayals, he should maintain family loyalty and trust that his son will eventually repay his debts.

“But I think family loyalty will somehow come through where he'll make attempts to pay it back.”