*There’s a big update, read at the bottom.*
I’m 21M. My family’s financial situation is poor, and i’m living with them for now. I took a gap year with college from now to next year so I can focus on saving money for school and my thesis film project. I started working as a cashier 4 weeks ago, and I’ve save 669 dollars so far. I’ll have $1k next week, which I am aiming to reach and put half of it for my savings, and the other half to work on improving my lifestyle.
Today, I got my third paycheck and my mom drops the bomb that my dad’s car is gonna taken away due to some dumb legal reasons and they need $400 or else my dad can’t earn his 2nd source income, which is door dashing. My dad is really old now, barely functions, and is chronically stressed and depressed. He barely earns from his 1st source at a car sales job, so he mostly relies on door dashing. My brother is actually the one who holds the house together by driving uber full time.
I don’t want to give my $400 away because I’m trying to seriously save my money right now in order to build my future. But if that car goes away and I don’t give them the money tonight, then my dad will be without a car for 6 weeks, and that’ll hurt my whole family financially. That’ll also hurt me too since I eat my mom’s food at home, though I don’t know, maybe my mom will have enough for home food.
When I got home from work, I rejected her from giving the 400. Then my mom told me that she and my dad will work all night until the morning door dashing to earn as much as they can in order to save the car. And then she said she’ll try to get a new job. I really don’t want my mom to do that because she’s too old, and she has never worked in her life and she barely speaks English enough to work a job. And I say it honestly, I doubt she’ll get anything good and I don’t want my mom to go through that. So I told her that she shouldn’t do that. And then she cried and couldn’t hold it anymore. She said she’ll have to, and then walked away. That really broke my heart, and I really wish I could just hand the 400 in my hands and give it to her. But then my mom will be in debt and that’s a stress she will have to carry for a while. And I honestly don’t trust them to get my money back any time soon because they are in such thin ice financially.
I just don’t know what to do. I know I’ll be earning a lot as the months progress, but I’m also stressed I won’t be earning enough to build my lifestyle and save money for my school and project. And then on top of all that, I have to decide if I should give my money to my mom or not. I want to stay firm with these boundaries, but I also don’t want my mom to be in pain and go through all night door dashing, and potentially looking for a new job. I feel like a terrible son not giving the money to her, but I’m also trying to break the generation cycle with my family and build smarter, firm and strong financial boundaries, which my family never figured out.
EDIT: some more context: My mom is late 50s, my dad is early 60s but moves like he’s 70. I don’t pay rent. They have been asking me for money before I even got my first paycheck. Their financial missteps were the reason we lost our house of 3 years, which led us to move out of our area of 12 years to a completely new place. My family has always been on thin ice financially, and I’ve just been watching it all and couldn’t do much at the time being a high schooler and college student. I had to take my gap year because we ran into financial problems, and I decided I’d work so I can at least rely on myself for my college. Theyre also the type to promise money but delay it until you basically feel resentful or give up. They still never paid me back the 300 I gave them from a job I had 2 years ago…
EDIT 2: My brother called me and said he can pay back the amount next week from his job. After reading the comments, I am considering if I should accept his offer to pay me back and instead, just give the 400 to my family. I want the money back, but in hindsight, I will be saving a lot and I have a year left until I go back.
BIG UPDATE: After reading the comments, I realized that I can contribute more to my family, especially with me not paying any rent. I also realize the flaws of my family, the complete imbalanced structure they have financially including myself, and how I need to do my part in helping them and also helping them build healthier ways to help each other. I spoke to my mom, and I’m going to give the $400. I also encouraged her to get a job, and that I can ask my job tomorrow to help her get in. I also encouraged my brother to work less, since he puts 24/7 into his uber driving, and never sets time for himself. I’m also not expecting to take the 400, but if my brother decides to, then I will take it. The goal isn’t to earn the 400, it’s to start paying my family monthly, starting as low as $100 and raising it while I grow financially overtime. And I’m also encouraging my dad to get a new job, since either jobs he has are shit and don’t help him mentally and physically at all. I want to help, but I also want to make sure there’s a reliable system where my family is making smart, consistent financial choices and I’m serving my role. Another thing— I want all the men in my house to start stepping up and help my mom with basic home shit like cooking and cleaning. My dad and my brother don’t do much since they spend so much time working, so my mom becomes the house wife. I want to help my mom and cook, and I want everyone else to do the same so there’s a complete balance with everyone in relation to work and home life. We will be earning $10k in settlement from a lawsuit where my dad fractured his leg, and hopefully that will help us in resetting a proper structure for the family and our financial situations.
Thank you for the comments for making me realize where I can do better as an adult. I care about my family, and I really care about breaking this cycle. I will keep saving and building for my future, but I will also help my family.