AITA for refusing to help fund my step daughters trip to the Philippines?

In a cozy suburban home, the air grows thick with tension as a generous stepmom grapples with a gut-wrenching decision. Her stepdaughter, a vibrant 23-year-old with dreams of love, has dropped a bombshell: she needs $30,000 to jet off to the Philippines, marry her long-distance beau, and bring him to America. The stepmom, who’s always treated her like her own, feels her heart tug—until a chilling whisper from a stranger’s voice on a call hints at deception. Caught between love and suspicion, she’s left wondering if she’s protecting her family or crushing a young woman’s dreams.

This tale of trust, family, and financial boundaries unfolds with all the drama of a soap opera, pulling readers into a whirlwind of emotions. As the stepmom navigates her stepdaughter’s bold request, the stakes feel sky-high, and the Reddit community’s hot takes only fan the flames. Let’s dive into her story and see where loyalty meets caution.

‘AITA for refusing to help fund my step daughters trip to the Philippines?’

This is going to be all over the place. Sorry in advance. I'm 41, my husband is 44 and my step daughter is 23. I have been married to my husband for 6 years, together for 14. I have no biological children but love my step daughter as my own. In 2014 I was struck by a semi truck and was awarded a huge amount of money as a result.

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I put my stepdaughter through college because I wanted to do so. I wasnt asked. I also bought her her first vehicle. I feel incredibly grateful to be able to do this for her, as her mother is a piece of work and hasnt had much to do with her since she was 8;  and my husband doesnt have much money either.

She has always been incredibly appreciative of me and everything I have done for her and thanks me on a weekly basis, at least. Despite me telling her she doesnt have to. Well, back 2 years ago she went on a trip to the Philippines with her college class. While she was there she met a guy and fell head over heels.

After the trip was up, she kept in very close contact with him. For the past 2 years they have had a LDR and it seems to work for them. Flash forward to 2 nights ago, her father and I overheard him saying that he wants her to marry him and bring him back to America with her. That's not where my issue is.

My issue is with the fact that I walked into my kitchen several minutes later (where she was face timing him) and heard a womans voice saying 'Did she fall for it? Is she going to pay for us?' My stepdaughter was oblivious to it, as she was making herself food and not really paying attention. I walk off.

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That night she comes into the livingroom and asks for quite a bit of money (over $30k) to fly to the Philippines and fly this guy back. As she is talking about it she mentions that they are going to get married and soon thereafter they will fly out his family. I explained to her that it's not that simple. That there are legalities.

She tried arguing that they already had it figured out. She then goes to say 'He will stay here with us until we find a home.' Not okay with me. So I said no and my husband stayed silent. She has been sulking for 2 days and wont speak to me. AITA? ETA: I feel like an AH because I have more than enough money to pay for this and she never asks me for anything.

If I do this she would surely be happy but the whole thing sits real heavy in my gut because after hearing the comment 'Did she fall for it?' And then hearing that she intends to house him at our home.. Also left out that I did tell her what the woman said and she claimed that I misheard her.

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The stepmom’s refusal to fund her stepdaughter’s $30,000 Philippine trip is a clash of love and caution, sparked by a shady comment: “Did she fall for it?” This isn’t just about money—it’s about trust and spotting a potential scam. Her gut’s screaming what her stepdaughter’s heart can’t see: something’s off. Dr. John Gottman, a relationship expert, says, “Trust is built in very small moments” (Gottman Institute). The stepmom’s hesitation shows she’s protecting her family, not just her wallet.

Romance scams are no joke, costing Americans $1.3 billion in 2022, per the FBI (FBI IC3). The $30,000 ask is way beyond travel costs, hinting the fiancé’s family might see the stepdaughter as a cash machine. The stepmom’s not wrong to pump the brakes, especially with plans for the fiancé to crash at their home. Her sarcastic-but-neutral stance balances love with logic, dodging a financial trap.

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For solutions, open talk is key. The stepmom should share her concerns calmly, nudging her stepdaughter to research K-1 visa costs herself (USCIS). Setting firm boundaries—like no housing the fiancé—keeps the peace while showing care. This invites readers to weigh in: how do you balance family loyalty with scam-savvy instincts?

These are the responses from Reddit users:

The Reddit crew didn’t hold back, serving up a spicy mix of support and shade for the stepmom’s dilemma. From cries of “She’s being scammed!” to jabs at the stepdaughter’s entitlement, the comments are a wild ride. Here’s the unfiltered scoop:

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NinjaDefenestrator − NTA, but why the f**k wouldn’t you tell her what you heard right away?

teresajs − NTA. It doesn't cost $30k for her round trip flights and his one way flights. Nor should you pay for her wedding. Nor let someone who is a stranger to you move into your home for free. Personally, I consider getting married to be an 'emancipating action'. If your stepdaughter is ready to be married, she needs to be ready to pay for her own travel as well as her own living expenses.

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It's time to tell the 23 year-old that she needs to move out of your house and make her own way in the world. Also, although you didn't ask, it might be time for you to take a look at your will. Your stepdaughter is quite selfish and entitled and shouldn't benefit greatly if you were to pass away, right now. She could change in the future...

phoebus67 − NTA she is not entitled to any MORE of your money. Damn this girl is entitled as hell, college and car paid for and now she wants you to fund her relationship too? Does she even work?

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Stabmesomemore − NTA. 30k is well beyond the amount needed for airfare. That would set off alarm bells without the conversation you overheard.. Have her do all the research on the K1 and CR1 visas. They are expensice and time consuming. Let her know that you will not be financially backing this choice. She will need to qualify under her own finances and pay for the visa.

[Reddit User] − You SD is a part-time waitress, and her SO (once he gets over here) will have NO job. You will then be approached to help them with housing, with getting married, and flying over his family. Hell, the whole crowd will probably want to live with you. Don't budge an inch. You are NTA, if these two really want to be together, they'll work on it together and make it happen. You're not her bank.

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valerian_spiel − NTA. $30,000 is one *heck* of an expensive trip to the Philippines. And just because you have the money doesn't mean your stepdaughter, her fiance, and her fiance's family are entitled to a dime of it. Your stepdaughter is a grown woman and if she's mature enough to get married, she's mature enough how to figure out how to finance her own overpriced and incredibly suspicious trip.

Something tells me you're going to be hit with many more requests to bankroll this young man and his family in the near future, OP. Prepare/protect yourself. Unfortunately it sounds like this family is using your stepdaughter.

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waitingforsolace − NTA Tell her watch 90 day fiancé and get a grip.

tirv56 − NTA. My guess is that her fiance has told her he needs $30k for paperwork, but is really giving it to his family. If he and your step daughter are old enough to marry, then they are old enough to handle their own affairs. It doesn't cost $30k for visa paperwok .

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oldfastingguy − NTA. Even without what you overheard, a request for that amount should be a red flag for a USC from a prospective foreign spouse. I have intimate knowledge in the immigration process and I can break it down for you if you’re interested. Feel free to PM me.

Trouble-94 − Nta. She's being scammed and is too blind to see it. She may be an adult but please do your best to not let her ruin her life with this

These Redditors rallied behind the stepmom, urging her to stand firm while tossing in quips about “90 Day Fiancé” vibes. But do their fiery takes capture the full picture, or are they just adding fuel to the drama?

This family saga leaves us pondering the fine line between love and caution. The stepmom’s heart aches to support her stepdaughter, but her instincts scream to protect her hard-earned wealth. It’s a reminder that family isn’t just about giving—it’s about trust and tough calls. As the stepdaughter sulks and the fiancé’s intentions remain murky, the stepmom stands at a crossroads. What would you do if you were in her shoes? Share your thoughts and experiences below!

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