AITA for not helping my mom with rent because it would cut into my vacation fund?

Imagine a 19-year-old juggling dreams of a first vacation with the weight of a mother’s endless pleas for rent money. For one young woman, years of financially propping up her irresponsible mom and siblings came to a breaking point, sparking a bold “no” that left her family cold. With a trip on the horizon and a job transition looming, she’s torn between guilt and her own hard-earned freedom.

This heartfelt tale dives into the struggle of setting boundaries with family. Was her refusal a selfish escape, or a necessary stand for independence? Let’s explore the story, hear Reddit’s take, and seek an expert’s view on this financial family feud.

‘AITA for not helping my mom with rent because it would cut into my vacation fund?’

My mom has a habit of being incredibly unprepared and irresponsible and she (40f) and I (19f) don’t have the best relationship. Not to get to into it but I moved out when I was 16 and ended up moving in with my bf almost 3 years ago. I’d been working since I was 15 and anytime my mom didn’t have money for something (which was often, like every other day,) she came to me, and no matter what I always gave it to her.

Even after I moved out there was a period where I was single handedly paying rent for myself and them (her,her bf, and my two younger siblings 8f and 13m) It’s always screwed me over because she has NEVER PAYED ME BACK A CENT even though she says she will and I’ve given up asking bc at this point I know how she is.

With that being said, my boyfriend and I have been saving to go on our first trip together next week. All this has come at a time where I’m transitioning jobs so I’m not working at all the week prior to this trip. That means all the money I have is set aside for bills and the trip costs.

My mother (yet again) isn’t going to make rent and has asked me for help and I straight up said no. I told her that I couldn’t afford to give anything until I started my new job after the 15th. She’s upset because she feels like I’m being selfish by not thinking of the kids and not just letting my boyfriend foot the bill.

She’s says I should be putting my family first but I’m tired of basically being a second parent and taking on responsibility that isn’t even mine. Now she and her bf are being cold towards me and my siblings noticed the change in attitude especially bc my mom is panicking trying to make up the money. I kinda feel bad but I’m also fed up. AITA?

Edit- it’s honestly been so exhausting reading all of these comments because everyone is right and my boyfriend has been telling me exactly what you all are saying. I think I have the parental rose colored glasses on. The only reason I’ve not gone no contact is because I pretty much raised my siblings and they are the most important part of my life.

I never want them to have the life I did but I think that’s out of my control now. In going to have a conversation with my mom and hopefully a relationship without money is enough for her. Thank you everyone for confirming that I’m not crazy because I felt incredibly guilty.

This financial standoff is a battle of responsibility versus self-preservation. The 19-year-old, having shouldered her mother’s burdens since 15, faces a pivotal moment by prioritizing her vacation savings. Her mother’s pattern of dependency, never repaying loans, has fostered resentment, while the young woman’s transition between jobs adds urgency to her stance.

Research highlights the impact of financial enmeshment. A 2021 study in Journal of Family Psychology shows that young adults supporting parents often face burnout and delayed milestones, like travel or education. Her “no” aligns with reclaiming her autonomy, though her mother’s guilt-tripping exploits familial ties.

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Dr. Ramani Durvasula, a psychologist specializing in family dynamics, notes, “Setting boundaries is an act of self-care, not selfishness, especially when the pattern is one-sided.” The mother must face her own accountability, possibly with budgeting help, rather than leaning on her daughter. A conversation—perhaps with a mediator—could clarify expectations, ensuring the siblings’ needs aren’t neglected.

Let’s dive into the reactions from Reddit:

The Reddit community rallied with strong support, blending empathy with firm advice. Here’s what they had to say:

MoyamoyaWarrior − NTA. SHE is their mother , not you. Maybe she should consider that before whatever reckless spending she is doing (based on what you described). Enjoy your trip

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ghostofumich2005 − NTA. not thinking of the kids. *Her* kids. She's mad that someone else is not thinking of *her* kids, and that someone is also one of *her* kids.. letting my boyfriend foot the bill. Interesting that she has no issue expecting your boyfriend to pay for things, but her own boyfriend can't be bothered.

Your mom is the selfish person here because she expects you to be a parent for not only your siblings but her as well. It's not your job to rescue her forever. If after you get situated in your new job and you find you have the means to continue helping, and you feel inclined to do so at least for your siblings sake,

I would suggest you start asking to see her paychecks and bank statements and receipts to find out where the money is going. At the very least you may be able to help her better manage her money, and you may also find out why she's not able to take care of things herself.

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angelcat00 − She’s upset because she feels like I’m being selfish by not thinking of the kids and not just letting my boyfriend foot the bill.. Why can't HER boyfriend help with the bills, since he's actually living there? NTA. Your mother is being selfish by spending her own money on whatever she wants and expecting you to pay her rent. If she put family first and thought of the kids, she wouldn't be in this pickle.

GreekAmericanDom − NTA. What you have been doing all this time is enabling. Your mother will never get her act together as long as you enable her. Going forward... 'No mother, I can't give you money, but I can sit down and help you create a budget so that in the future you will make rent on time.'

Virulencer − NTA. She is using the excuse of putting family first to take advantage of you. Which means she is putting herself before her own children. You are not obligated to pay for her expenses and you have been more than generous up until now. Maybe if she made an effort to pay you back, you would have been more forthcoming with another loan.

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AdorableCaterpillar9 − I take minor issue with the wording (this comment won't be an insult don't worry). I do not believe you are not helping your mom with the rent because you are wanting to go on vacation. I believe that due to a pattern of behaviour from your mother that has hurt herself, and also you, over a very long term period, you find yourself wanting to say 'no', and push back on your mom a little bit.

You yourself are still very young and it's not yours or your boyfriend's job to provide for her. She's also not an elderly woman. It's not fair to constantly be expecting your daughter to provide for you. She should be propelling you to do well in life. Your money should be going to developing yourself, saving for your own place, going to uni, etc.

Your mom being hostile to you as a result of you saying no is also abusive and manipulative. I'm the person that is intrinsically sympathetic to the p**ght of the person not able to pay their rent, who would personally and would wish others would help them.. I am NOT that person on this post.. NTA. And she is.

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Consider that you are getting told you are 'NTA' from what is the tiny minority of people that would likely have normally said n/a/h . I AM the person that normally goes 'oh why can''t you all help each other and get along', and in this post I'm NOT for that.

If you and your bf have a good, stable, relationship, consider very seriously moving out. Even if you're going to uni see if you can make it work. I suspect that your home life may get worse over time with people that can't manage these boundaries.

thunder_shart − NTA, your mom is emotionally abusive. She's the parent, not you. She should be providing you stability, not the reverse. She shouldn't be withholding affection from you due to your inability to support her. Your mom is using you and manipulating your emotions to get what she wants.

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[Reddit User] − NTA It sounds like your mom forgot who the parent is in this situation. You say she's panicking and hustling to make up the money... let her. Let her panic. Let her hustle. You worked hard and saved up for your trip... it sounds like you need it. Don't let her irresponsibility take that away from you. You have every right to be fed up.

petitepedestrian − Nta im super proud of you for saying no. Mom needsto grow up and figure s**t out herself. Enjoy your vacation and Goodluck with the new job!

Mysterious-System680 − NTA. You have the misfortune to have a parent who is a blackhole when it comes to money. No matter how much you give her, it just gets sucked in, with nothing to show for it.. Stop giving her money.

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All you are doing is enabling her to fritter her money away because she knows that she can guilt you into paying her bills.. There are two adults in your mother’s household. They need to cover their costs.

These passionate Reddit voices cheer her stand, urging her to break the cycle of enabling. Is her mother’s panic a wake-up call, or just more manipulation? The consensus backs her right to prioritize herself.

This financial tug-of-war highlights the power of saying “no” to grow. The young woman’s choice to safeguard her vacation reflects years of overdue self-respect, while her mother’s reaction calls for a shift in responsibility. A frank talk about boundaries could pave the way for a healthier dynamic—or a necessary distance. Have you ever had to refuse family help to focus on yourself? What advice would you give her? Share your thoughts below!

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