Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How do I explain why debt on debt is bad to my brother?
I wouldn't try to tell him what he should do, nor would I provide any financial assistance. Invite him over and tell him how a Dave Ramsey book changed your life or something so that you aren't the one telling him what to do. People in fundamentally and persistently bad situations are like people with addiction problems... they tend to end up "killing the messenger" before internalizing that they are in a bad situation. They need to hit rock bottom before you can really help.