I Refuse to Keep Funding My Adult Daughter — I’m a Mother, Not a Cash Cow

Family & kids
3 weeks ago
I Refuse to Keep Funding My Adult Daughter — I’m a Mother, Not a Cash Cow

A lot of parents can’t help but spoil their kids, especially if they have the means to do so. That’s why kids grow up with a feeling of entitlement over anything. Just look at Sandra’s daughter. After being given everything from a young age, she flips over once her mom says a simple no.

This is Sandra’s struggle.

Dear Bright Side,

I’m a doctor and single mother. I have only one daughter who I’ve always spoiled and given everything to ever since I’ve gotten a divorce. Now, she’s a grown woman and needs to find a stable job and live her own life. But, she’s still asking for money and always spends it on useless, luxurious items.

For her birthday, she specifically requested a sports car. I refused and after much arguing, I snapped and said, “I’m done babying you!” She glared at me and said, “You’ll regret this.” That threat worried me, so the next day, I went to her room and took all her credit cards.

But just as I was about to do so, her room was empty. All her clothes were gone and she took all her credit cards with her and went on a spending spree. I don’t know how to control her anymore. What should I do?

Sincerely,
Sandra

You need to reflect on your parenting.

Don't pay the cards. Let her crash and burn. It's the only way she will learn. If the cards are in your name cancel them.

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You spoiled her. This is the end result. Cancel the credit cards. She needs to grow up. You've been enabling her for far too long.

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If I was you I would let her go , I would make it known that you will not be responsible for any debts that she occurs. You have given all you can and you can't buy love or respect . Your daughter is old enough to now get her own things you are not a bank . She will learn eventually. Tuff love is the best love sometimes .

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Why is your daughter still living at home at 24 years old? Cancel all those credit cards and then tell her she’s no longer allowed to live rent free in YOUR house.

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Let's see. YOU SPOILED HER & SHE is expecting to be spoiled. NOW you want to stop BABYING her? Great Idea. Too late, however. If her credit cards are in your name you need to CANCEL THEM IMMEDIATELY. Make sure that the CC Companies DO NOT REISSUE THEM, UNDER ANY CIRCUMSTANCES. YOU can have her charged with theft, but we know that you won't, and SO DOES SHE. If she has access to ANY OF YOUR INFORMATION, such as social security number or bank account info, she may well sign you up for OTHER CARDS, then use them. You MUST lock down your credit, NOW. If you don't, YOU will be held liable. I don't know why you let her get away with it for so long, because you didn't do her any favors. Do you think that she is equipped to handle life in the real world? She's used to MOMMY paying for everything she wants. I can only tell you that you created your own monster, and she needs A CRASH COURSE in being responsible for herself and her own needs. If you let her whine her way out of it, you can only blame yourself, and you will be working until you die just to keep up with what SHE wants. Also if you have her as your heir, you may want to leave her a TRUST that she can't use up all at once. Or she will use it up all at once. Better yet, don't leave her anything more than a token amount, and she can work for what she needs. Children need KNOWLEDGE more than MONEY. Good luck, you are going to need it.

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Thank you for sharing your story with us, Sandra. First off, you need to understand that your daughter’s actions aren’t coming from nowhere. Ever since she was a child, she had everything handed to her on a silver platter so she doesn’t know any better. Her entitlement stemmed from you enabling her and giving into her wants.

Close all your accounts.

Call lawyer, cut her off from family and inheritance. Also call bank, tell you are NOT responsible for payment. Call police if your daughter still stubborn. Few years in jail might teach her real life.

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If she’s going on a spending spree for revenge, you should cancel the cards. Once she comes back to you, and she probably will, you need to sit her down and explain to her that it’s time to find her own path. She needs to look for a job and explore other options than living off of your wealth.

Explain your reasoning well to her.

Sometimes kids see “no” as rejection. Break down what you can realistically afford and why endless financial support isn’t sustainable. That transparency helps turn the “stingy parent” narrative into “practical parent.”

Give her a push to adulthood.

Some parents go cold turkey, but sometimes a phased approach works better. Maybe you still cover health insurance, but she could be responsible for rent or car payments. Eases the transition. Try to also point her toward resources like budgeting apps, part-time job options, scholarships, or even help writing a CV. It shows support without emptying your bank account.

Ultimately, the issue of spoiled children is a preventable one. It stems from a well-intentioned yet misguided expression of love on the parents’ part. That said, figuring out how to parent isn’t easy, so here are some tricks to push you in the right direction.

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So, I will try commenting on this post AGAIN. YOU SPOILED HER. SHE EXPECTS TO BE SPOILED. NOW you want to STOP BABYING HER. Too late! You need to CANCEL ALL THE CREDIT CARDS. REPORT THEM AS STOLEN. Contact the CC Companies and make sure that SHE CAN'T HAVE THEM REISSUED. She may try to have cards issued from other companies in your name. She could try to return the items purchased for cash. You know and so does she, that you won't have her arrested or charged for theft. You did her NO FAVORS, buying her love, and that's what you did. You will be working until you drop if you let her WHINE her way out of this. She needs to be responsible for herself with no help from mommy. You created the monster and you can kill it, so to speak. Knowledge is worth more than money and she has to learn that lesson the hard way. Or she will NEVER LEARN IT.

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You spoiled her. She expects to be spoiled. NOW you don't want to BABY HER anymore? Too late. Cancel the credit cards. Report her for theft if she tries to get them reissued. MAKE HER GET A JOB or TWO. You didn't do her any favors and if you let her whine her way out of this, you will be working until you die. Spoiled or not you can either force her to grow up and be responsible or you can kick her out. Right now I don't see any middle ground.

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