Dear Annie: My younger sister, “Rachel,” is 28 and has always been a bit of a mess when it comes to money. She jumps from job to job, spends impulsively and never seems to have savings. I, on the other hand, have always been the responsible one. I’m 32 and married, and my husband and I have worked hard to build a stable life.

This isn’t the first time something like this has happened, and I’m starting to feel completely taken advantage of.