Would you take financial advice from a broker that is always broke?
Would you take advice to quit smoking from someone that smokes like a chimney?

The relevant question is #1.

SD is "counseling" her friends on what to do for college but using our advice and playing them off as her own. If she was a term paper, she would have plagiarized all over the place! Now, everyone thinks she's so wise beyond her years. What a crocka sh#%! This is someone who "forgets" to pay her credit card bills and now we're getting phone calls from collection companies at 6am! This is someone who loses their iPod in her room and was thinking of buying a new one. We made her clean her room last week. She found it under a pile of her crap. Bummer. She doesn't get to buy a new one.

Sorry. Venting. I got lots. It's been building for a while now.
Thanks for reading. Comments appreciated!