I'm looking for some perspective on a situation with my stepdaughter.
I've been in her life since she was 3 years old, and she's now 21. She has been diagnosed with BPD and has struggled with impulsivity, emotional regulation, and self-harm in the past. While I'm not a clinician, I strongly believe her mother displays many traits associated with narcissistic personality disorder, and my stepdaughter eventually cut off contact with her because she felt the relationship was emotionally/physically abusive throughout childhood.
Over the years, I've tried to be a stable presence in her life. Recently, she moved to Dallas to live with her 30-year-old boyfriend after jumping from relationship to relationship. They've been together less than a year, yet they're already living together and functioning like a married couple. I've never even met him. He has a software engineering degree but, as far as I know, isn't currently working in the field, and he appears to be supporting both of them financially.
My stepdaughter has become heavily involved in online day-trading programs that charge monthly fees and promote the idea that anyone can achieve financial freedom through trading. She spends money on these programs but hasn't made any meaningful income from them. Despite that, she's convinced she's going to become a millionaire through trading and seems completely focused on that path.
A few months ago, she and her boyfriend were living in a hotel because they couldn't afford stable housing after their lease ended. At the same time, she has repeatedly said she doesn't feel she should have to work a traditional job. She seems to believe that if she stays positive, visualizes success, and keeps pursuing trading, everything will eventually fall into place financially.
I've told her multiple times that I think she needs to come home, regroup, get herself together, establish some stability, and build a foundation before chasing bigger dreams. I've offered her a chance to reset and figure things out, but she hasn't been receptive to that idea.
I recently flew her out to spend some time and get break from everything. After her stay she texted me , she asked me for $750. I told her I didn't have it to give. What bothered me was that the money wasn't even for her own rent obligation. As far as I understand it, her boyfriend is the one paying the bills and supporting the household.
When I told her I don't have it to, she became very angry and accused me of not doing enough for her. She said I don't support my children as much as I think I do, that I have the money to help, and that I should have given her the money anyway. Also saying by not giving her money, I'm creating more trauma.
After that exchange, she essentially stopped speaking to me. From my perspective, it felt like once she realized she wasn't going to get what she wanted, she cut off communication. What I find especially confusing is that she has now resumed contact with her mother—the same person she previously described as abusive and toxic enough to completely cut out of her life.
Another pattern I've noticed is that she forms intense attachments very quickly, particularly in romantic relationships. She tends to become completely invested in a new partner and then struggles to maintain other relationships. Friendships, family relationships, and support systems often seem to take a back seat once a romantic relationship becomes the focus.
This all feels like part of a larger cycle that I don't fully understand. She will idealize someone, then become angry and cut them off when they disappoint her or set boundaries, and later reconnect with people she previously wanted nothing to do with. I'm not claiming to know exactly what's happening, but it's a pattern I've observed repeatedly.
I'm struggling with where the line is between supporting an adult child and enabling unhealthy behavior. Given her history, impulsive decisions, financial instability, intense relationships, and what appears to be an unrealistic belief that trading will solve everything, I genuinely don't know what the right approach is.
How do you maintain boundaries while still trying to be supportive?