re: How do you help financially ignorant people?

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BILs mom still does their taxes

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if she's doing a business owners taxes than she either knows what she's doing and the BIL has the family finances more in order than you sister realizes or they are in desperate need of a tax guy before they get in trouble with the IRS

If it's the later, tell them they need a CPA for their taxes and he'll likely point them in the direction of a financial advisor or at least educate them of helpful ways to reduce their tax burden which will also help them save for retirement/kid's college

Tell them the CPA can save them a lot of money (much more than they have to pay him).