Who owns the problem?
Is it the "mom" or is it the "child"?
Until the "Mom" has a problem then there is very little that can be done beyond letting the relative know that if they are interested there are great ways they can be helped.
Trying to get someone to change their ways BEFORE they admit to needing help is like sunbaking in the winter... a total waste of time. Worse still it uses up relationships that will be needed to help in the near future.
Enjoy your money
The Budget Man