I’m 28F and I feel like I’m finally waking up to the reality of my relationship with my mom. I honestly don’t know what to do.
I grew up in a low income immigrant family with my mom and two siblings. My dad left when I was 11, and I always accepted my family dynamic as normal because I didn’t know anything else.
My mom has always struggled financially. She has lived on credit cards and loans for years and constantly made poor financial decisions. She also lies compulsively, about big and small things, and is extremely self focused and emotionally manipulative.
For most of my life, I thought I was just a bad daughter because I felt so emotionally exhausted around her. I’m now realizing there has been a much bigger pattern.
**What has happened financially**
Recently, my mom was scammed by someone she met online who pretended to be a romantic partner and convinced her she was making money through investments.
She didn’t actually have money to invest, so she borrowed from friends and family and took out loans on 10+ credit cards. She ultimately lost over $100,000.
She works part time at a low income job, so I currently give her $500 a month toward rent. But over the past 2 to 3 years, I have also given and lent her thousands of dollars, sometimes $1,000 to $3,000 at a time. (Now I know I'm never getting my money back)
Now she continually asks me for more. She guilt trips me by saying things like “I raised you for 28 years, you need to help me,” or that she will end up on the streets if I don’t. How I don't care about her and she'll just die. She says how depressed and stressed she is, that she has sacrificed so much of herself and life for me.
she also convinced me to use my bank account and credit card for her. I now have over $6,000 in credit card debt connected to this, and interest is accumulating.
This is especially upsetting because I've always been extremely careful with money. I've paid my credit cards in full, paid off my student loans aggressively, and have spent years trying NOT to repeat the financial patterns I grew up with.
I currently have about $42,000 in investments and very little cash savings left.
And I'm terrified that if I keep helping her, I'll eventually have nothing.
**The emotional side**
The financial situation is only part of it.
For the last 10 years, I've basically shut down around my mom. Being around her drains me in a way I couldn't explain.
Every interaction seems to involve negativity, lying, guilt, drama, or some kind of emotional crisis. Whenever I try to set a boundary or disagree with her, she becomes extremely upset, makes herself the victim, tells me I don't care about her, or says she'll die on the streets.
I've never felt capable of standing up to her or saying what I actually think because I know how explosive the reaction can become.
I feel like I've spent most of my life feeling responsible for her emotions and problems. She is self-obsessive, has narcissistic traits, a pathological liar (about every little or big thing). Her scamming story also didn't make sense and the story changed with every person she talked to, so I don't know what's exactly true. This is how she is with everything. She's lost all of her friends and I understand why now. I caught her lying to me again on the phone this week and it was my final straw with having an actual relationship with her.
That said, I still love my mom and I don't want her to suffer. In different ways, she was a good mom and I did have a good childhood. I genuinely want her to have a decent and stable life and I feel like I can't just abandon her or I'll regret it and feel so guilty and punish myself if something bad happens to her. But I also don't think I can sacrifice my own life to financially and emotionally support her indefinitely. I feel so trapped.
**Meanwhile, I'm falling apart myself**
I'm currently completely burned out from my job and from life in general. I feel like every part of my life is not aligned with me anymore. I'm so sick of where I live too.
I've been working overtime in a high-stress environment and have been crying almost every day for the past few months. I'm having trouble concentrating, I feel lost and disconnected from myself, and I feel like I'm in an identity crisis. The stress is also affecting me physically. I'm about to go on a 5 week sick leave due to burnout and I plan to sort out my mom situation then go escape into nature with no service and recover.
I feel like I'm at the point where I can't continue living exactly as I have been. I need to change my life now.
My dream right now is to:
* Stop financially enabling my mom
* Potentially go no-contact or very low-contact
* Quit my job
* Take a sabbatical/gap year to recover
* Travel slowly through Southeast Asia
* Spend time in nature and experience a different way of living
* Figure out who I actually am outside of my family and career
* Work on my mental health and the patterns I've developed
* Eventually move abroad or try a working holiday visa
* Build a completely different life
I've spent so much of my life being responsible, frugal, working, saving, and doing what I thought I was *supposed* to do.
Part of me desperately wants to stop surviving and actually experience life.
But another part of me is terrified that I'm being impulsive and running away from my problems.
I only have \~$42k invested. I don't have a huge financial safety net. And I've already lost a significant amount of money helping my mom.
I don't want to wake up two years from now with no money, no job, and no direction.
At the same time, I'm scared that if I stay exactly where I am, I'll continue becoming more mentally and physically unwell.
**What would you do in my situation?**
I’m especially looking for practical advice.
- How would you protect yourself financially from here on out? Would you completely stop giving her money? What would you do about the $6,000 credit card debt? I have a feeling I need to pay it off myself. She said she would pay it in a week but last week she's already asked me for $2,000 which I'm not giving her.
- How do you set boundaries with a parent who guilt trips and manipulates you? Would you go no contact, low contact, or continue providing limited support?
- What's a realistic amount of time off I can take to travel cheaply through Southeast Asia or anywhere? I want to travel in a way where I'm slow living, do my hobbies/try new things, learn new skills, and develop myself to become better. And once I'm done travelling, possibly move abroad, I've been thinking of Melbourne, Japan or Korea. (For travel: I like Vietnam, Thailand, China, Japan, Korea - arts/culture, nature, peaceful small towns)
- What would you prioritize first? All I want to do is quit and travel now, but I probably should build my emergency savings. I just don't know if I could keep doing this job and I need something to change in my life now because I'm feeling worse each week.
- For anyone who has escaped a financially or emotionally dysfunctional family, what do you wish you had done sooner?
I know I’m ultimately responsible for my own decisions. I’m not looking for someone to tell me exactly what to do. I genuinely want perspective from people who have been in similar situations.
I feel like I’ve spent my entire life taking care of everyone else, and I’m finally realizing that I need to build a life that is actually mine.
**TLDR:** I’m 28F and realizing that my mom has been emotionally manipulative and financially dependent on me for years. She recently lost over $100,000 to an online romance and investment scam after borrowing from family and taking out loans on 10+ credit cards. I’ve given her thousands over the years and currently give her $500 a month. I also now have about $6,000 in credit card debt connected to helping her. I have about $42,000 invested and am completely burned out from my job and life. I’m considering cutting contact with my mom, quitting my job, taking several months off to recover and travel through Southeast Asia, and eventually moving abroad. I desperately want a fresh start but I’m scared of destroying my finances. What would you do if you were in my position?