My stepbrother is a year old than I at 45. I've been lucky to work stably since 25 yro (19 year now). But he has not worked since the early-to-mid 2000s. A note, we were friends in grade school before stepbrothers. His last steady employment was maybe in 2003 or 2004. Around 2008 he started receiving county welfare by which I believe his rent is subsidized down to him only owing $100/month on a 1 bed/1ba apartment. Over the years I've tried to first encourage him to go back to school on probably a dozen occasions and then more recently get a job to at least pay into social security to which I get replies like, "yeah that might be good", or "yeah we'll see". I believe he *might* currently have enough for minimum credit (40 quarters) of social security, but then even at that, not enough to live on. The problem is I believe his subsidy becomes cut if he starts working - as he'd likely have to report it. This is a large disincentive for him to go back to work. Let's say the rent subsidy is worth $1500/month in rent currently and he started a $15/hr job - giving back $2000/month. He would be spending 160 hrs per month for net difference of $500 per month. I think He helps out a gal-friend these days as a side gig to bridge the gap. I wonder what may become of his future if he doesn't get on the work-horse? He has limited health insurance with clinic access I think. My step-dad has created a disability-trust for him. He also owns 1/4 of a family property through my step-dad. I dont really want to have to take care of him later in life. He has a sister and mother who live far away and I believe he only has occasional contact. His sister is fairly successful especially compared to his situation. Any idea how he breaks the inertia? Its been so long, my guess there's little potential energy there to tap. I'm amazed at his computer savvy, and lately I've dropped that as ideas......anyway I'm afraid the financial situation will not change except for whatever inheritances he gets. He has not worked in 15+ years.