I Refuse to Hand My Retirement Fund to My Daughter—I’m Not Responsible for Her Adult Failures

Family & kids
3 weeks ago
I Refuse to Hand My Retirement Fund to My Daughter—I’m Not Responsible for Her Adult Failures

Family bonds are supposed to feel safe, but sometimes they test your patience more than a traffic jam on Monday morning. Love doesn’t always equal fairness, and sometimes caring too much can backfire. People stay quiet, afraid of being seen as selfish, even when their boundaries are crossed. But one decision can change everything.

Helen’s letter:

Until a person dies, any money and property belongs to them so if they want to spend it they can, I hope this woman took her daughter out of her will.

-
-
Reply

Something that others seems to have overlooked, the daughter isnt even in trouble, she wants the money for a house. Making her life easier not even a necessity. I have to say enjoy your retirement. The daughter isnt even alone, she has a husband who should be the one helping her now. I love my kids and i would walk in front of a train to save them front harm but they would never ask me to give up my retirement.

-
-
Reply
3 weeks ago
Can't find the comment? Ask your mom.

Don't sell your house. Instead just go on small trips when you can. You need your house for some day when you can't care for yourself. You could sell it then and get into a retirement apartment where people take care of you. Your daughter does not seem like she will take care of you. Have a better plan fur when that time comes for yourself.

-
-
Reply

You are obligated to care for your child until they graduate from high school. If you can, you should help until they finish college /trade school. If your daughter is married and working a professional job then she is a grown adult. You are not obligated to give her anything else and no one wants to give gifts to someone that demands them.

-
-
Reply
3 weeks ago
This comment got punished.

My 3 adult kids would NEVER demand money from me! They've never even asked us for money. Ever. My daughter and her spouse rented a tiny studio for 5 years, never went to a movie, only went out to eat once a year, and went without a car so they could buy a small fixer upper. Our money is ours. Theirs is theirs. The best gift a parent can give their children, is the gift of self-reliance. We have lived a frugal life and sacrificed. We have saved enough money so our kids won't have to financially support us as we age. The woman should do as she pleases with HER money. Our kids all live near us and we spend time with them often. Our older grandkids are teens and their parents are also teaching them to be self-reliant. Too many entitled young people these days.

-
-
Reply

You do you boo, but I'm not leaving my babies without a helping hand. I love them and could never imagine a world where I want them to go through half the trials and tribulations I did, nope not happening. I will be leaving them everything - if I want to travel at that age then I better get saving from now. I brought them in to the world, do I have to make life easier for them - no but as their mama i want to???? This lady sounds like them people that leave their house to the church to spite their kids

-
-
Reply
3 weeks ago
The comment was deleted by a neighbor's dog.

Handing kids (adult children) everything does not teach (leave room for) resilience....you wont be here always. Letting them find their way at times, teaches self-reliance, and much needed coping skills...of course I wouldnt allow mine to lose something like (a house or car) without intervening

-
-
Reply

A parents job is to raise well rounded productive members of society
Values you instill in childhood so when they are of age they can move forward as adults
A parents job is to then guide & support them with advice & guidance
If they fail you teach them how to pick themselves up & move forward & teach them how to sort out their debts with their own money, this teaches them emotional & financial resilience & independence
Running around after them & paying their bills or going without to please them retards their emotional well-being & stunts their growth as adults, this will be obvious to their peers which may cause some friends stepping away.
You don't want friends dragging you backwards
Your parenting style is yours but "wanting to help" does more harm than good
The OP is right in her actions, she owes them nothing & needs her Daughter & Son-in-law to "Adult," they want to live as Adults & make adult choices & must be held accountable for that to learn & grow NOT bailed out constantly & never learn from their failures
Pampering & pandering to your children creates needy useless sooky incompetent adults

-
-
Reply
3 weeks ago
The comment has hidden itself outside our galaxy.
2 weeks ago
Shhh! The comment is asleep.

Sorry but in our society the old steal from and burden the youth. Thats capitalism and its gross...I side with the children...yes, the older generations absolutely owe the younger generations. May these younger generations collapse capitalism by not having children and divesting from the system. May they break these cycles of theft and shift towards the future ones. May we have actual elders again rather than these self centered, wounded children in old people body bags, aka elderly. May we all stop being thieves, stop burdening our youth and vulnerable bodies. May the people of wisdom, of seven generations strategies, of ancient rooted technologies and community culture become the leaders of a deeply traumatized, immature, greedy, unwise society. May we all be held accountable for the harms we caused.

-
-
Reply
3 weeks ago
The comment has been deleted but it will stay in our hearts forever.
3 weeks ago
Oops. We didn't mean to delete it. It just happened.

Jen if you were my kid you would be very disappointed with me, your attitude alone would make me make sure I left you absolutely nothing
I'd leave what should have been your share to your siblings or if no siblings I'd donate everything to a charity of my choice
You see I gave you life, I raised you to be a well rounded adult & just because you failed at that doesn't mean I owe you

-
-
Reply
3 weeks ago
You can't hide three things: the Sun, the Moon and the truth. But you sure can hide a comment.
3 weeks ago
We've got nothing to hide. Except this comment.

You are 67 years old, not incapacitated, not deceased, and not required to live your life as a savings account for your daughters future convenience.
You are entitled to live your life and spend your money. Your daughter is not entitled to either.

-
-
Reply

After her generation destroyed the economy and voted for some of the worst corporate strategies. Then sold her house to Black Rock for well over it's value. I think she owes something.

-
-
Reply

I think you have helped her too much and now expects more. Nobody owes you anything the sooner she learns that the better. If her husband is involved ask him how much his parents are giving him. Don't feel bad for taking care of yourself. Sounds like you have already given her too much. If she doesn't understand that is her problem not yours. Her love shouldn't be conditional.

-
-
Reply

Your daughter deserves an inheritance that is what is she gets after you have died. And that is what is left. If you're lucky, you'll have spent it all, and there won't be anything to leave

-
-
Reply

Ky I disagree that anybody has a right to or deserves someone else's money when they die. I strongly agree with your hopes this woman enjoys her money while alive. I also hope what's left goes to a deserving charity rather than this daughter.

-
-
Reply

Absolutely agree what is with this generation so entitled. I expected nothing from my parents and expected to support myself and my children . She deserves nothing dhe has been raised and educated probably how old does she have to be to support herself. I was privileged to receive my father's guide dog harness it means so much to me. I supported my children who l raised myself supported them through university and watched them grow into responsible caring adults. That is enough stop being so selfish your mother's money is hers you deserve nothy.

-
-
Reply

Every individual situation is different! But I truly believe if you raised your children to the best of your ability and been there for them up to 18 or at least 23( college graduation age). Your donations or at your discretion. When is enough, enough? You don't want to be on your death bed worrying can they take care of themselves and where does it say a parent has to give up what's left of their lives for adults you have already made sacrifices for! You gave them opportunities! Let them be mad, not the first time probably won't be the last! You have been fair .. enjoy

-
-
Reply

Hi, Bright Side,

I’m 67 and selling my house to travel while I still can. My daughter demanded I hand her the money for her down payment instead. “You owe me this!” she screamed. I said absolutely not.

That night, her husband called, raging, “If you’re not helping her, you’re ruining her life!” He went on and on, but I stayed calm. I love my daughter, but I also know I spent decades helping her grow, and now it’s her turn to handle her own choices.

I feel guilty sometimes, like I’m being a bad parent. But I also don’t want to sacrifice my retirement dreams for someone who has already made adult decisions that led her here. I need advice on how to stick to my decision without feeling like I’m cruel.

How can I love her and still protect my future? How do I make sure she understands I’m not abandoning her, just refusing to bail her out again?

Please help,

Helen

Thank you, Helen, for sharing your story with us. We understand how hard it can be to draw the line with family, especially adult children. We hope the advice below helps you navigate this situation with clarity and confidence.

Whe my brother tried that I offered to help look at his budget to help him get better. He didn't like it it would have helped if he was willing.

-
-
Reply

Remember your dreams. Your retirement is for you, not anyone else. You’ve worked decades to build a life that’s yours to enjoy. Traveling, exploring, or simply relaxing should be your focus now. Keeping that vision alive helps you stay firm in your decisions.

Talk about feelings, not money. Instead of arguing over dollars, explain that your choice is about your future happiness. Share how important your plans are to you emotionally. When she hears your heart, not just rules, she’s more likely to understand.

Create small ways to help. Offer advice, tips, or guidance instead of money. Sharing knowledge empowers her without compromising your goals. It shows love and care while keeping your independence intact.

My son and his wife disowned us when we couldn't give him our home because his dad lost his retirement when his company filed bankruptcy. He hasn't talked to us in 3 years. Our heart is broken 💔

-
-
Reply

Celebrate your own courage. Each time you stick to your decision, acknowledge your strength. Remind yourself that choosing your happiness doesn’t make you selfish. Being proud of your courage helps you navigate pressure with confidence.

If you found this story relatable, you’ll love reading about a woman who refused to cook separate vegan meals for her entitled stepdaughter. Sometimes, standing your ground is the ultimate reality check, and it feels amazing. Discover how one small boundary can teach life lessons in the most human way possible.

Comments

Get notifications

When money is involved... expect someone close to you... including family to try and get some of your money. Always. And it's usually the one closest to you.

-
-
Reply

don't mention money or the house when you talk to her and everytime it is brought up change the subject or hang up the phone

-
-
Reply

I would have told my child a long time ago that when she got married she was no longer my responsibility. I would tell her and her husband to go ahead and get their resources together to get that home of their dreams. I, on the other hand, will be on a cruise in the Bahamas, enjoying my traveling time after a life supporting others. I am going to enjoy myself! They won't be getting a cent.

-
-
Reply

Related Reads