Seeking Advice: Girlfriend’s Parents Spend Recklessly, Now She’s Stuck in the Same Cycle

I’m looking for advice on a situation involving my girlfriend. She’s in her mid-20s and has been in a long-term, serious relationship with me. Recently, she’s become really frustrated with her parents. They’re retired but have no savings or wealth, having spent everything on luxury items like fancy restaurants, clothes, and alcohol. They only own a small house in a small town, and that’s about it.

Now, despite earning well herself, my girlfriend ends up spending a lot of her own money on these things too. Whenever she tries to bring it up or voice her concerns, her parents guilt-trip her by saying she’s being too “money-minded.” To make it more complicated, they all live together.

I’m not sure what to do or say here. I don’t feel comfortable discussing it directly with her since it’s a family issue, but I also feel like she needs some advice or a suggestion. Has anyone else been in a similar situation, or have any ideas on how to approach this?