My nephew is the same.

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I did find out that since covid he was hurting for money and his business partner sold the two trucks that he owned. So my nephew sold his two trucks since he needed money. Than no trucks so they decided to rent a u-haul to use. That was costing them to much for the rental fees. So he borrowed money to buy another truck and bought his partner share out. The partner left but he took all the tools and equipment that he had paid for and left. So now he had a debt that he did not have before. Than he was getting no jobs because of covid and half the equipment was gone. He did not tell his wife anything about what was going on. He got behind on the house payments and they are going to loss the house. He was at that time drinking and doing drugs. So he was using the house payment to drink, smoke, vape and do drugs. His Mom told me all of this in a phone call today. His wife has applied for Social Security which she will be getting next month for her and the kids. So she has been told she can sell the house by the bank. Anything above what is owned on house she can keep. She will not have enough to keep the house. So beyond that she does not know what she is going to do. Just my opinion but I would have know something was wrong when he sold the two trucks. I hope she will go look for a job to support those kids. You only get Social Security until the youngest child turns 18.