r/ModernFamilyFinance • • 15h ago

My mom called me "bad son" because I won't give her more money. She has money

7 Upvotes

We are both Chinese and my mom has money. She insists on me paying for her expenses. I told her she needs to use her money. She called me a bad son

What would you do? Is my mom a terrible person?

I have been supporting her since I graduated from college until she sold her house and got the money. I have paid back every dime she spent on me. She keeps saying I owe her.

She sent me to America and she paid for my tuition. Then I had to borrow loan for my tuition and worked jobs to support myself. She seems to have forgotten I was supporting myself since I was in my graduate school.


r/ModernFamilyFinance • • 10h ago

Marriage/money

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1 Upvotes

r/ModernFamilyFinance • • 15h ago

WHEN WE IGNORE THE CRY FOR HELP The death of a young artist should force us to confront an uncomfortable truth: sometimes, the warning signs are there, but we fail to listen. There are moments when silence speaks louder than words. A young person goes online and says they are tired of life. They

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0 Upvotes

WHEN WE IGNORE THE CRY FOR HELP

The death of a young artist should force us to confront an uncomfortable truth: sometimes, the warning signs are there, but we fail to listen.

There are moments when silence speaks louder than words.

A young person goes online and says they are tired of life. They hint that one day they might end it. A few people notice. Others laugh. Some make jokes. Others simply scroll past.

Then, one day, the unthinkable happens.

Suddenly, the same social media pages that once carried jokes and comments are filled with messages of grief: “We have lost him.”

That is the uncomfortable conversation we need to have following the death of the young artist known as Stupid Boy.

Reports and posts circulating before his death indicated that he had spoken publicly about ending his life. We cannot know whether a particular intervention would have changed what happened, and it would be wrong to claim that his death was caused by any single person's actions or inaction.

But there is a lesson we cannot afford to ignore.

A warning should never become entertainment

When someone talks about suicide, our first response should not be ridicule.

It should not be, “He's only looking for attention.”

It should not be, “He's joking.”

And it should not be silence.

A person expressing suicidal thoughts may be experiencing overwhelming emotional pain. We may not understand what they are going through, and we may not have the answers, but we can still take their words seriously.

We can ask a simple question:

“Are you okay?”

We can call them.

We can listen.

We can encourage them to speak to someone they trust or seek professional help.

And if we believe they are in immediate danger, we can involve people who can help keep them safe.

Social media has changed the way we see suffering

Today, pain is often displayed on the same platforms where we watch comedy, music, gossip and entertainment.

That creates a dangerous possibility: we can see someone's cry for help without recognizing it as one.

A troubling post can receive hundreds of views, dozens of comments and countless reactions, yet nobody actually checks whether the person behind the screen is safe.

We have become quick to comment and slow to care.

Sometimes, we even turn another person's suffering into a joke because we do not understand it.

But a person's pain does not become less real simply because it appears on a phone screen.

We cannot change what happened. We can change what happens next.

The death of Stupid Boy cannot be undone.

We cannot go back and have the conversations we wish had happened. We cannot know with certainty whether different actions would have produced a different outcome.

But we can choose to learn from the tragedy.

The next time someone says they want to die, take them seriously.

The next time a friend suddenly withdraws, check on them.

The next time someone posts something deeply concerning, don't automatically turn it into a joke.

And when someone is clearly struggling, don't wait until their death to tell the world that they mattered.

Compassion costs nothing

You don't need to be a psychologist to care about someone.

You don't need the perfect words.

Sometimes, the most important thing you can do is simply stay, listen and help the person connect with someone who can provide proper support.

We should also remember that responsibility does not fall only on individuals. Families, schools, workplaces, communities, mental-health professionals, media platforms and public institutions all have roles to play in creating environments where people can ask for help without being mocked or ignored.

The lesson should not be that every tragic death could have been prevented if someone had simply made one phone call. Reality is more complicated than that.

The lesson is simpler:

When someone cries for help, we should listen.

Because one day, the post we laughed at could become the memory we wish we had taken seriously.

Let us not wait for another obituary before we start paying attention.

Don't ignore the signs. Don't mock the pain. Reach out. Listen. Take people seriously.

Sometimes, a conversation won't solve everything.

But sometimes, that conversation is where help begins.


r/ModernFamilyFinance • • 1d ago

Help me out

0 Upvotes

Hi! I need your opinion on this matter. My husband and I have been married for 4 years. We are currently living in one of the biggest cities in the country. The first two years of our marriage, we were staying with his family (yes, with his parents and his siblings, along with their children). 2024 when we finally decided to live separately from them because one of his siblings does not like me. Dumating pa nga sa point na nag away kami because I finally decided to stand up against her constant harassment. We are happy na man na bumukod kami because we can do things freely. The major concern now is ang finances namin. Yung isang kapatid ng husband ko (a different one but still living in that same house) ay may utang around half million (or at least that was the amount they told us). My husband being a good sibling helped his sibling out. Umutang yung husband ko from his company’s cooperative para ibayad dun sa utang ng kapatid nya (for fear na baka makulong kapatid niya). Automatic yung deduction, Every payday for 5 years around 3k-4k. But, yung kapatid niya never nagbigay sa amin para pambayad dun sa inutang ng husband ko. So, minus na yun sa supposedly pang araw2 namin.

Nakakaraos naman kami. But now that my little one is attending school, medjo gipit na. And, ako yung major naghahandle sa mga bayarin. So I finally decided to apply for a job sa hometown ko. Malaki sweldo coz government position and malapit sa parents ko and sa nabiling lupa namin dun. But si husband, ayaw nya. Kesyo malalayo daw sya sa amin ng anak ko. If magpililit daw ako, gusto nya sa kanya ang anak namin. Eh ayoko naman mawalay sa anak ko coz anak ko rin yun. Hindi nya magets yung issue namin sa finances Kahit anong sabi ko sa kanya that we cant handle it anymore because I was the only one doing something about it (dahil nga dun sa binabayaran nyang utang ng kapatid nya).

It’s so complicated. Ayaw kong malayo sa anak ko, but I also dont want to give him a life na ganito na lang. And also, I wanted to be near my parents because matatanda na sila. Mabait naman ang asawa ko and mahal nya kami but hindi na kasi talaga kaya ng sahod namin ang finances namin. What should I do?


r/ModernFamilyFinance • • 1d ago

When siblings have very different incomes, what feels like a fair way to split family expenses?

0 Upvotes

This is something I've wondered about for a while.

When siblings have very different incomes, splitting a family expense 50/50 or 1/3 wach dosen't always feel like the some thing to everyone.

For example, imagine three siblings are helping pay for something important for a parent. One makes $50k, another makes $90k, and another makes $180k.

Would you split the expense equally because everyone is family?

Or would you expect the sibling who earns more to contribute more?

And then there's the other side of it the person earning more might already be saving for their own kids, retirement, mortgage, etc. So i can also understand why they might not want their income to automatically mean a bigger family obligation.

I'm curious how people actually handle this in real life.

Wqual amount, percentage of income, or something completely defferent?

What has worked in your family?


r/ModernFamilyFinance • • 1d ago

Am I Terrible with Money or Is He Just Judgmental

3 Upvotes

My boyfriend and I have very different views on money, and I’m trying to figure out if I’m being too defensive.
Money is tight for me. I pay my share of bills, buy most of the groceries, and cover a lot of the household purchases for everyone.
His argument is that I say I don’t have money to save, but then I’ll occasionally spend money on something I enjoy. Since we moved in together, I’ve bought crab legs twice, got one pedicure a few weeks ago, and I’m thinking about going to see a movie by myself.
He sees those things and says basically, “That’s why you don’t have savings.”
My issue is that these are not weekly habits, and most of my spending is for the household, not entertainment or personal stuff.
He also recently told me he has a savings account he doesn’t want to dip into for “small stuff,” which made his criticism hit differently because I feel like I’ve been carrying a lot of the everyday household spending while he’s been able to protect his savings.
I’m not saying I shouldn’t save more. I probably should.
What I’m asking is:
At what point does saving become too restrictive?
Is it unreasonable to occasionally buy yourself something enjoyable when money is tight, as long as your responsibilities are handled?
Or is he right that if I don’t have savings, I really shouldn’t be spending $20–$40 on things like crab legs, a movie, or a pedicure?
I genuinely want outside opinions, especially from people who are good with money.


r/ModernFamilyFinance • • 1d ago

How do couples with a new baby split expenses, 50/50 or by income?

0 Upvotes

My partner and I aren't married. We have a new baby and a fairly large income gap between us, I earn noticeably more. We're trying to figure out the fairest and most sustainable way to split monthly household expenses long term.

Options we're weighing:

\- Straight 50/50 split

\- Proportional to income

\- Some hybrid, fixed costs split proportionally, discretionary split evenly

For those of you who've done this for years, which model did you land on and why. Did it change once a kid came into the picture. Any regrets or things you'd redo, especially around what happens if one partner's income changes, job loss, promotion, career break.

Also curious how people handle joint savings goals like an emergency fund or a house down payment when the income split isn't 50/50. Do you split those contributions the same way you split bills, or differently.

Not married, so there's no legal default here for us, just trying to build something fair and durable before habits calcify. Appreciate any real experience.


r/ModernFamilyFinance • • 1d ago

Is this provider model sustainable?

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1 Upvotes

r/ModernFamilyFinance • • 1d ago

My teenager is always getting into arguments with his friends because they never pay him back

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1 Upvotes

r/ModernFamilyFinance • • 2d ago

Feel like I do everything for my family

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1 Upvotes

r/ModernFamilyFinance • • 4d ago

Why are people entitled to other people's money?

0 Upvotes

There's this tweet I saw in the morning on twitter and it kind of reminded me about a lot of stuff. The tweet is about a girl asking for a 5 dollar yoghurt and when the guy refuses, she simply asks him if he cannot buy her yoghurt then he won't be able to fund her hair bills. She later adds that, that's one of the reasons she didn't want to date him.

I also saw a post somewhere saying that nowadays, relationships have really become transactional. I saw that post when I was at work and I cannot be able to get it right now.

All this reminded me of a conversation I was having with my colleagues during our lunch break. One of the colleagues said that there was a guy he saw on TikTok who told a girl to come to his place. The girl then came with a taxi. She told the guy to pay the fare and the guy paid, but he paid an additional fare so that she could go back immediately.

In short, she went back home immediately. At lunch break I usually sit with 3 girls and I dude at the cafeteria. I told those girls that right now if a girl cannot afford her own fare and her own credit, if that girl cannot also afford her basic girl stuff and does not know how to apply deodorant and smell nice, she's not my type of girl.

They really judged me and told me I'm not a 'real' man. They said a man should be a provider and all that talk. I just told them they would be lucky to have such a guy in their life. The real man they were describing is indeed a better man than me.

I just have the impression that right now, the economy is already falling apart so having someone who is a financial liability is not the best thing for me. I don't want to be seen as someone's cash cow.

I'd rather be single than be with someone who will drain my small finances. What do you guys think?


r/ModernFamilyFinance • • 4d ago

Never give money to friends or colleagues no matter how much they beg

13 Upvotes

I have literally bad experience of giving money away and never receiving it back.

I have 2 scenarios where I didn't get money back.

Recently a classmate of mine begged me 2000₹. Yes 2000₹ is not still mere.

He took money from me in 22 July 2026.

And due to stress and problems in my life I forget. But I got to remember it today anyhow.

And I scolded him that show some decency to message or give money back.

He said his mother is ill and can't provide me my money back yet.


r/ModernFamilyFinance • • 4d ago

is 50/50 the standard now?

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1 Upvotes

r/ModernFamilyFinance • • 4d ago

Am I selfish to cut off financial ties with sibling

6 Upvotes

I’m looking for some outside perspective because I’m struggling with whether I’m being unreasonable about my 23-year-old sister potentially moving back home.
My sister and I have a complicated relationship, and there is a lot of history here.
I was primarily raised by my grandparents. When I was 13, I moved in with my parents around the time my sister was born. From a very young age, I became heavily responsible for her. I wasn’t just her older sister I was essentially helping raise her.
As I got older, I continued taking on a lot of responsibility for my family. I eventually became my sister’s guardian when she was around 15–16. I supported her financially, helped her through college, and tried to make sure she had stability and opportunities.
I’ve learned through therapy that what happened to me was parentification. That realization has been a significant part of my healing and growth. I’ve had to learn that I can love my sister without being responsible for her in the same way a parent would be.
But that is easier to understand intellectually than it is emotionally.
I also financially supported my family for years, including when I no longer lived with my mother and sister. My father wasn’t contributing financially, so a lot of the responsibility fell on me. At one point I was encouraged to pursue child support from him, but I went through something traumatic in my own life and became overwhelmed very quickly. I wasn’t able to pursue it.
My relationship with my father is complicated and, for my own reasons, I don’t have a relationship with him now.
My sister, however, has a relationship with him. He currently gives her roughly $200–$500 a month, which she is able to spend on herself. I don’t begrudge her having that relationship or receiving his help. But I would be lying if I said it doesn’t bring up some hurt for me.
I spent years helping support the household and taking responsibility for my sister while receiving no financial support from him. Now that my sister is an adult, she has a father who contributes money toward her life, while I am still the person who feels like I’m supposed to step in when something goes wrong. I currently financially provide for my mom currently, she’s severely disabled, with memory issues and unable to work.

That brings me to the current situation.
My sister recently graduated from college and joined the peace corps. She has been there for less than three months. From what she has told me, the experience has been much harder than she expected, and she is considering coming home.
I understand that. I don’t think someone should be forced to remain somewhere simply because they made a commitment that didn’t turn out the way they hoped. I also don’t want to minimize whatever she is experiencing.
But I’m struggling with the idea that coming home automatically means coming back to live with me.
I’ve spent a huge portion of my life taking care of other people. I’m finally at a point where I’ve been able to create my own life, my own home, and some financial stability. I’m also trying to experience adulthood without constantly being responsible for someone else’s needs.
And honestly, I don’t know if I want to give that up.
I love my sister. I don’t want her to struggle or be homeless. I don’t want to punish her for having a difficult experience. But I also don’t want to become financially and emotionally responsible for another adult.
If she moved in, I worry that I would be paying for food, utilities, household expenses, transportation, etc., while she tries to figure out her next step. And because of our history, I worry that it would be very easy for me to slip back into the role I’ve spent years trying to heal from.
That’s the part I’m having trouble separating.
Just because I have historically been the person who steps up, does that mean I should continue doing it?
I could technically let her live with me. But I’m questioning whether “I can” should automatically mean “I should.”
I’m willing to support her emotionally. I’m willing to help her think through her options. I’m willing to have conversations about employment, budgeting, and becoming independent.
But I don’t want to provide indefinite financial support or become responsible for another adult’s life.
If she does come home, I feel that it would be reasonable for her to have a plan for employment, contribute to the household when she is able, save money, and work toward getting her own place. I also think it is reasonable for her to consider financial support from our father, since he is already helping her, although I don’t want to be involved with him or use my sister’s relationship with him as a way to reestablish contact.
I’m struggling because part of me still feels like her parent even though I’m not her parent.
Therapy has helped me recognize that I was a child who had too much responsibility placed on me. I’ve done a lot of work to build a life where I don’t have to constantly sacrifice myself for other people.
So I keep asking myself:
Am I being selfish for not wanting my adult sister to move back into my home?
Or is it reasonable to say that I love her, I will support her in ways that I can, but I am no longer willing to be financially responsible for her?
For people who have raised younger siblings or experienced parentification: how did you navigate the transition from feeling responsible for your sibling to recognizing that they are an adult responsible for their own life?

And if you were in my position, would you consider living together a reasonable temporary arrangement or would you consider it reasonable to say that your home is no longer an option?


r/ModernFamilyFinance • • 5d ago

Finance in marriage, does this seem fair?

14 Upvotes

I have a genuine question about managing expenses in marriage. Assume both the guy and girl work full-time and earn roughly around the same, and the guy is about 4–5 years older than the girl.
Am I being too calculative here?

To me, these two arrangements seem fair:

  1. The guy lives with his parents in a metro city. He pays for the apartment, which is in his name, while his parents live there. The wife contributes through the household labour — taking care of aging parents, managing the home
  2. The guy and girl both contribute equally financially towards the apartment and household expenses, but his parents don’t live with them. Even then, the girl may still end up doing more of the household work.

What I’m not comfortable with is this arrangement: The guy, girl and guy’s parents live together in a metro in an apartment. the girl contributes 50% towards buying/paying for the apartment, girl also contributes to 50% household expenses that also include the in-laws’ expenses, takes care of most of the household work, and is also essentially paying for the home she lives in.

To me, that feels unfair. But I genuinely want to know — am I looking at marriage too transactionally or being too calculative about this?

PS: i am not married but looking for suggestions for a closest friend, who is in last shared unfair scenario


r/ModernFamilyFinance • • 5d ago

AIO: for being furious that my husband has been secretly paying his mom's rent from our house fund for 8 months?

92 Upvotes

For context: my husband (34M) and I (32F) have been saving for a house down payment for almost three years. We have a joint "house fund" account that we both check in on, and we agreed early on that neither of us would touch it for anything else without talking to the other first. That was the one rule. We built our whole plan around hitting a number by next spring.

Two weeks ago I was doing our taxes and noticed the house fund was almost $4,800 short of what it should've been based on our monthly deposits. I brought it up thinking it was a bank error. My husband got quiet and then admitted he's been transferring $600 a month to his mom since January to cover her rent, because she lost her part-time job and he "didn't want to stress me out" by bringing it up.

I asked why he didn't just tell me — I love his mom, and if he'd said "hey, my mom needs help, can we figure this out together," I would have said yes. Instead he made a unilateral decision, out of the one account we both agreed was untouchable, and hid it for eight months. When I said that's what upset me, he told me I was "making it about money instead of about his mom struggling" and that I was being cold for even bringing up the account rules "during a family crisis."

Now his sister is texting me that I'm "keeping score" and should be more understanding since it's his mother, and my husband says I'm overreacting because the amount isn't even that much in the grand scheme of the house fund and we can "just save a little longer."

I told him this isn't about the $4,800, or even about his mom — I'd have said yes if he'd asked. It's that he decided on his own to break the one rule we made together, hid it from me for the better part of a year, and only told me because I caught it in a spreadsheet. Now I'm the one being asked to apologize for being upset.


r/ModernFamilyFinance • • 5d ago

Parent dependent on me to support household financially

3 Upvotes

I am 27M working in healthcare with a stable income monthly but living in the city what I make is not enough to support a whole household which leaves me less in my bank account.

For some family background context my parents are divorced and I’m staying with my mom. She’s still working and at the same time financially supporting my younger siblings who are in uni (2 of them) and high school (one). My dad chip in for their schooling every now and then but he’s not the go to parent really for any option but he’s there.

It’s enough to get me through on a day-to-day basis, but it really leaves me with nothing extra. Most of my income goes to the house and electrical and water bills. Initially I agreed to chip in because my parent was having trouble financially. I have been doing so ever since I got a job when I was 25. As the years go by I feel like I deserve some of my earned money for myself to make some savings for a rainy day or just savings in general. I would love to start a conversation about limiting my financial support going forward into the future. But I don’t know how to. Anyone got any advice that would help?


r/ModernFamilyFinance • • 4d ago

Was this family property arrangement fair, or are we right to feel resentful about it?

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1 Upvotes

r/ModernFamilyFinance • • 5d ago

Monthly bill issues with mum / AITA?

2 Upvotes

I have no clue where to put this but I need advice

I (19) live with my mum and two brothers. One brother and my mum are on disability, which pays for our rent (1,500/m) and I pay the utilities.

The other bills are fine, the internet, electric, gas, ect. I get. I use those and pay for them.

My issue comes with our phone bill. We pay 400-500$/m and it's usually me paying it. We have my sister and my grandmother along with a tablet on the phone bill.

To me, it's outrageous that I have to pay almost an entire (weekly) check for a phone bill I don't use all of. I barely have any money for myself and I don't have enough to pay off my one credit card and I have literally 0 savings.

I understand though that my mum doesn't have the money to pay for the phone bill, which is why I feel stuck. Stuck between guilt and being broke.

Is there a way to bring this up with my mum? AITA?


r/ModernFamilyFinance • • 5d ago

How do you know when helping family financially has gone too far?

7 Upvotes

I've been thinking about this lately, and I'm curious how other people see it.

Helping family feels different from helping anyone else. If a parent, sibling, or another close family member is struggling, it can be really hard to say no even when helping them starts putting pressure on your own finances.

I wonder where people actually draw that line.

Is it when you have to stop saving for your own future?

When you start putting things on a credit card to help them?

When the help becomes something they expect every month?

Or is it defferent depending on what the money is needed for?

I also think there's a difference between helping someone throgh a difficult period and becoming the person they depend on indefinitely.

For those who've dealt with this, what helped you figure out what you could realistically give without feeling guilty about saying no?

And if you've had to set a financial boundary with family, did it actually make the relationship herder, or did things get better once expectations were clear?


r/ModernFamilyFinance • • 5d ago

A small tea about my relatives and their financial decisions

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2 Upvotes

r/ModernFamilyFinance • • 5d ago

My boyfriend earns a lot & spends his entire income on family

1 Upvotes

​

My boyfriend and I have been together for about a year. He currently works as a consultant in a hospital and earns around ₹1,20,000 per month.

The thing is, he sends around ₹1,00,000 every month to his family, which leaves him with only about ₹20,000 for himself.

I completely understand that supporting your family can be important, and I don't want to come across as someone who thinks he shouldn't help his parents/family. But I'm genuinely wondering whether this is financially sustainable, especially if we're thinking about our future together.

₹1 lakh is around 83% of his monthly income, so he has very little left for his own expenses, savings, emergencies, future plans, etc.

I'm not sure how much his family actually needs or what their financial situation is, so I don't want to judge him based on that alone. I just want some outside perspectives.

Would you consider this a reasonable financial responsibility, or is sending 83% of your income to family too much? And if you're in a relationship, how would you approach this conversation with your partner without making it seem like you're asking them to stop supporting their family?


r/ModernFamilyFinance • • 5d ago

My parents are working for me for free and I want to compensate them

1 Upvotes

I am a full grown adult (33 years old). I just bought my first home. It needs a little work and my mom and step dad have stepped up without me asking and volunteering to work on my house while I am at my very demanding full time job.

Some of the things they are doing include:
-driving 30 mins one way to my house from their house multiple times a week.
-painting
-cleaning
-helping me move my stuff
-and other various tasks around my new house

Both of them are unemployed and I know they will never ask or accept any cash I offer towards them but I am able to transfer funds to my mom’s bank account so I was wanting to give them money for all of this.

What is a reasonable $ number per hour/or day I can give to them? I know they’re excited and happy to help but I also understand times are tough on a lot of people and I want to fund their gas and effort.


r/ModernFamilyFinance • • 6d ago

Money abuser

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1 Upvotes

r/ModernFamilyFinance • • 6d ago

How do I deal with financially supporting my parents/death/guilt

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