If i was the youngers financial adviser i would sit all the members of the family togethher and work the problem out by asking each member what they want to do. Then i would state the possible negative and positive outcomes for that idea. When everybody has decided on an idea then i would ask why they want that decision and what they think the outcome would be. i would also ask the family what would be the best choice overall for the whole family. and in the situation they're in right now.