This husband decided to spend his golden years paying off loans he didn’t even take. His 37-year-old son, a man whose resume includes theft, DUIs, and emotional terrorism, has been treating his father’s credit like an open bar. Cars, furniture, a $5,000 credit card, all under Daddy Dearest’s name. The father co-signed the $76,000 loan, and the son repaid him in dishonor and DoorDash receipts.  Some men retire with hobbies, others retire with terrible financial decisions. 
The wife, meanwhile, is left holding a collapsing house, a loan against her 401k, and the dawning realization that her husband has been gaslighting her with the confidence of a man who thinks joint finances mean «joint confusion.» Every attempt to talk about it turns into deflection, denial, or an emotional trapeze act. The stepson’s freeloading is old news, but watching it backed by actual debt is the kind of betrayal Excel sheets were invented to process.