At 73, my dad spent his whole retirement fund on a $35,000 Harley instead of helping me pay off my loans. He calls it his “last great adventure.” For 50 years, he worked in a grimy motorcycle shop, and I was always embarrassed by his tattoos and leather vest. Now, after selling the shop, he’s chasing a midlife crisis instead of helping me or investing wisely. When I brought it up, he just laughed, saying, “At my age, all crises are end-of-life crises.” He doesn’t realize I need that money more —