Your father’s biggest problem is: borrowing money to speculate in stocks. This is the core of the problem. The rest can be done step by step. Don't think about getting it right in one step.

First of all, stop borrowing money to speculate in stocks. It means that stock investment is high-yield, but it is also high-risk. Yield and risk are directly proportional, so you must act according to your ability; secondly, you must have understanding and support. attitude to communicate with him, which requires you to also learn stock knowledge in order to better communicate with him. If your investment philosophy is more correct and superior than his, he will only agree with it and not object to it. Finally, help him find out the reasons for the failure, point out the mistakes, come up with practical methods, and help him make a good turnaround. After 20 years of stock trading and always failing, a person's spirit has become a little distorted. He urgently needs a success to prove his ability and wash away his shame. Therefore, it is better to teach people to fish than to teach them to fish. Helping them master the correct investment methods and establish good investment concepts is what you need to do urgently.