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.

I’ve been married to my husband, “David,” for 12 years. We have two kids, “Ella” (9) and “Lucas” (6). Lately, I’ve been feeling like I’m doing everything alone. David works long hours as an accountant,