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My mom was always selfish. She had wasted money for cigarettes, casinos, cash in insurance policy, sold cemetery plot, etc. Now she thinks that I should help her with monthly expenses. She puts me on guilt trips if I don’t. She has stressed me and my husband so much. I don’t know what to do anymore.

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Read SueC's answer, then do what she suggests.
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Refer her to Social Services. They can assess her finances and sign her up for state aid.
Don't ruin your families' finances to pay for bills that your mother has been irresponsible with.
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