How to tell a parent to grow up without really saying it?

My dad has had money problems throughout his whole life. Big problems, eventually ruining my parents marriage. He has accumulated approx. 14,000 in debt in literally over a year, and he has other debts including not paying my brother and sister's child support. He is working one part-time job, which doesn't even cover rent. I'm only 21 and I feel far more responsible then him. My question is how do you tell a parent they really need to change their ways fast, without being too harsh?How to tell a parent to grow up without really saying it?
You can't help someone who does not want to be helped. First you have to resolve is your father suffering from depression? You can visit this website:


www.patientslikeme.com/mood/community?鈥?





copy and paste this link to your url. Here is another website:





www.webmd.com/depression/tc/


interactive-tool-are-you-depressed-


what-does-this-tool-measure





There are questions to ask to see if they are depressed. If you think your father is suffering from depression, then you should try to get him to go see a doctor. Sometimes people suffering from depression have high blood pressure, are hyper tense. He probably needs medication. You can be there to support him by taking to him to doctors, listening to him.





He could have been suffering from depression for a very long time.





You sound as though you love your dad very much. He is very lucky to have you as a child.How to tell a parent to grow up without really saying it?
If you're so super mature and have all of your dads problems figured out, I'm surprised that you cannot come up with an appropriate statement.





How about,





';Gee Dad, I know I'm barely past puberty, but I know this world way better than you. Why don't you arrange your life around my perception of things, as that will surely make things better';





I would try that
act grown up and treat them like a your friend ;D
Maybe your father is trying as hard as he can to succeed and you don't see it. Life all over is very difficult right now. There's a recession taking place and jobs are very hard to come by. You should be grateful he has one at all.Do YOU have a job? FYI most average Americans have some kind of money trouble. Instead of telling him he needs to change his ways, Ask if he needs help somehow. Your worry over his financial state almost sounds selfish. You're an adult. If you don't think things are the way you want them to be you should leave.