Dear Sahaj: For as long as I can remember, my mom has been bad with money. I’m her only child and she’s a single mom. She’s had multiple bankruptcies, attempted to retire early without a true plan to do so, and over the years comes to me and her sisters for money. I might not mind helping her out if her issues didn’t seem self-imposed. She has a hoarding problem, and her apartment is so full of junk she can barely live there. We live halfway across the country, and it’s so bad my wife and I don’t let our two boys visit her there, and she can barely get around. Not to mention she can’t travel to us because of her health. She’s a kind person who likes taking care of others, but it’s clear she can’t take care of herself.