Sorry in advance - long time lurker and first time poster on this sub.

I (40f) have always been afraid of being in financial burden or mounds of debt. Growing up, there were no caller I.D.s, so we would always need to screen our calls through the answering machine before picking up. Growing up this way, I decided a long time ago that I didn't want to live like that with debt collectors calling for money every day.

There have been a few times in the past where I have had to help them with bills and rent. This past time I had to pay 2 months worth of rent with fear of eviction. (Nearly $5,000.00)

It's important to note that they have never had any problems making money, but as soon as it comes, it's spent. My dad got into the crypto-currency fad and thought he could just ride that wave and retire early and not work again. I'm not sure what the conversation was with my mom, but she quit work as well - both well before retirement age. When that didn't work out, she went back to work and so did my dad. He was let go from his job about 3 months ago, and they didn't have enough money to cover what they needed.

That lands us where we are today. AITA for not wanting to pay anymore even if it ends up with them being evicted in the future? How should I gently approach this, so they understand I am done being an ATM?