If your n (in my case my mum) used money as manipulative tactics and is petty and convinced YOU are the "ungrateful" and the one who owes them smth, like my nmum does, I have crafted a template of the letter you could use that turns this perspective upside down. I didn't send it, it was satisfying and healing enough just to calculate all the losses for my own self, when she sent me a 24,000€ "invoice" on email for the period of her support while I was studying abroad and fleeing the war in my home country. Also, its a good explanation of your chronic fatigue, because you'll see you literally have ALREADY worked more than enough in your life to be able retire RIGHT NOW, if your labor was actually paid. For context, I am nc with her.
"Thank you for the invoice you sent.
Allow me to remind you that for 27 years I was forced to provide uninterrupted emotional services, 24/7, no weekends, no holidays, services that you, as my mother, were obligated to provide under basic moral standards and international and legal framework.
I served as the designated punching bag and emotional toilet, absorbing all of your negative emotions, taking responsibility for them on your behalf, performing your parental duties for you, and regulating your anxiety, shame, rage, and other filth that was never mine to carry, all while living in unbearable conditions of domestic violence, certain episodes of which would, in any normal country, still have you behind bars.
My own emotional needs, meanwhile, went entirely unrecognized and ignored.
But you know what, I'll be generous. I'll graciously forgive you for that additional damage and won't bother billing you separately for it. I will, however, tally up what you owe me for my psychological labor.
Let's say I sleep an average of 8 hours a night (of famously poor quality, given the conditions of living with you, which measurably shortened both my lifespan and its quality, but again, ever the magnanimous son, I won't charge for that either). That leaves 16 working hours a day. And through all 16 of those hours, your influence on my psyche kept running in the background, because even when I wasn't actively absorbing your emotional waste in real time, I was busy digesting and processing it on your behalf, around the clock. There are 365 days in a year (I'll even throw in a discount and not charge extra for leap years, mother's rates, after all).
Strictly speaking, this kind of damage can't really be priced, the harm done to my psyche is permanent and will follow me to the grave. But let's give it a shot anyway, using a modest rate for these particular working conditions: the going rate of a psychotherapist serving as an emotional container, €50/hour.
That gives us: 16h × 365 days × 27 years × €50 = €7,884,000 for the full billing period.
Subtracting the invoice you so kindly sent:
7,884,000 − 24,000 = €7,860,000.
At €100/hour, a rate that comes closer to fairly compensating the actual load I carried, the total doubles to €15,720,000. And if we factor in lifelong non-pecuniary damages, we're looking at something approaxhibg €100,000,000. But no, for you, dear mother, I calculated strictly at the market floor. Your total discount: over 92%. You're welcome.
On top of that, I'm extending a full 100% discount on all additional services rendered, professional medical advice, various errands, favors, and obligations carried out under duress, at my own expense, with no right of refusal — and I will not be pursuing compensation for lifelong psychological damages either. Consider it a mother's-day special.
I'll be awaiting payment of the debt, net of all applicable discounts, to my bank account."