For Family & Friends

Starting the conversation

• Choose a calm moment — not right after a loss or an argument.
• Talk about specific facts and your own feelings: "I'm worried when I see…".
• Avoid labels and ultimatums you can't follow through on.

What not to do

• Don't pay off someone else's debts without a plan for change.
• Don't hand over money "one last time".
• Don't take on responsibility for another adult's decisions.

Protect yourself

Separate accounts, control over shared cards, limits on credit lines. Look after your own wellbeing too — groups like Gam-Anon exist specifically for families.