From: Ron
My wife and I are in our 40’s. We have three children in their 20’s. All three are struggling financially and constantly asking us for money.
Our two daughters are currently unemployed. We are not rich, but do have money to help them for small issues. Are we wrong to continually give them money? How do we say no without making them mad?
Thanks
The short answer is YES you are wrong to help them out. So what if you make them mad?
Really, why are you helping them out? If it’s just a temporary thing, that’s one thing, but this sounds like a common occurrence or you wouldn’t be asking. Why should your adult children be mad at you for you expecting them to take responsibility for their own bills as grown adults?
No, you do not need to be helping them so much and I would tell them you are stopping NOW!!!
Tawra
We get this question all the time and I haven’t addressed it in great detail, so I will try to do that now. I have grown children. I don’t know how many times in years past they have been unemployed or suffering financial hardship and watching them struggle has been hard.
It took a lot of courage to ask the question, “Are we wrong to continually give them money?” and, to me, half of the battle for anything is admitting there is a problem. Not everything I’m going to say next is aimed directly at you, but generally for all those people who write with similar questions. It may not all apply to your situation, but use what you can.
It is so hard being a parent and trying to know how to balance these things but the same things apply when they are adults as when they are young. What concerned me the most was when you asked how to do it without making them mad.
I think one of the worst things so many parents do no matter what the age of the kids is “wimping out” as a parent. I hear parents say all the time - “I don’t want to do this or that because my kids won’t love me”, “They’ll get mad at me”, “They won’t think I’m cool” or “I want to be their best friend.”
Children need parents who are brave, strong and powerful (in a loving sense). It makes them very insecure to have parents who aren’t like this. They think if mom and dad are going to cave under my little bit of pressure, there is no way they will stand strong and do what is best for me when I really need them to step up to the plate.
Only you can judge what is best for your children. Are they trying their best to find work? Have they been responsible in times past? Are they giving up all they can to save and make their money go farther? Are they trying to help out in different ways to show you how much they appreciate your help, maybe by cleaning your house, doing yard work or running errands for you?
Or do you find that they’re not bothering to look for a job, are not cutting back on their own personal spending and can’t believe you had the nerve to ask them to help around the house. You are the best judge. Like any good judge, though, judge with the facts and not emotions.
This is something we should do continually with our kids. If my 10 year old son was sitting every day watching TV all day and insisting I feed him bags of chocolate, you would think I was crazy if I indulged him. Why? Because, first, he should be going to school. It’s important for his future. Second, chocolate isn’t the best diet in the world for a child. Interestingly, though, many of us do this with our 20 something children. If I tell him, no, he can’t do this anymore, he is going to be mad at me, but I still have to do it for his good and because I love him more than myself.
As kids get older, the specific things in question may be different, but the same principles apply.
Another reason why you shouldn’t worry about whether they get mad or not is because it isn’t good for you. You will lose what you are worrying about losing and that is your children’s love and respect. No one, especially children, respect and admire anyone they can manipulate and control — someone who is a pushover.
I’m not sure there is any way to say this without sounding harsh and I don’t mean it in a harsh way. If a parent gives his or her children things or money because the parent doesn’t want them to be mad or to not like them, they are just buying their children’s love. In the adult world, if it was a man and a woman it would be called having a sugar daddy.
We have got to stop using material possessions and money to try to fix emotional conditions. Possessions and emotions are two different things. Using this strategy is like putting a band aid on your big toe to fix the huge bleeding cut on your arm. You are trying to fix the wrong problem and in the wrong way.
If grown children are asking for help all the time, something else needs to be fixed and it won’t be fixed with more money. You are pouring good money on top of bad. If you had an investment and every month the bottom dropped out of it and you were asked to invest more, how long would you keep pouring good money into this bad investment? After a bit wouldn’t you think, “Maybe I need to look into this and see how to fix it?” or change it? Of course you would, which is why I applaud you for asking this question, because that is what you are doing. Don’t stop there — follow through with the solution.
Now that we’ve discussed the emotional issue, let’s get down to what we can do in a practical sense to deal with this situation.
The best way to keep the problem from happening in the first place is, when the children are young, to avoid the habit of giving in to their desires and bailing them out from their problems. Sometimes they have to learn from and deal with the consequences that their actions created. Constantly rescuing them prolongs the problem and usually makes it worse.
Clearly, there are times when the situation isn’t their fault but instead of immediately coming to their rescue, teach them and help them find a way out without simply handing them what they need on a silver platter. For example, my daughter wanted to be in a special singing and dancing group at school. We just didn’t have the money for it. It wasn’t her fault and I hated telling her she couldn’t do it, so we came up with a solution. She got a part time job to cover the expenses.
I had taught her how to come up with a solution. Instead of getting mad because I couldn’t give her what she wanted, she learned a new job skill and, years later when she and her husband faced similar but bigger problems, she knew how to work it out without running to me first thing.
20 somethings: They are a little like 3 year olds and a little like teenagers. They want to be independent but, at the same time, are always testing the waters to see how much they can get by with before mom and dad put their foot down and say enough.
Add to that a mom and dad who have been brainwashed into thinking that this generation is “special” because of “these hard economic times” and that spells trouble. Do you know that one generation after another has thought the same thing, but still has been kicked out of the nest and has survived?
Unemployment is unemployment, whether it is during the depression of the 30’s, the days after World War II when men came back from the war to find that there weren’t many jobs to be had and on and on. Each generation has had to learn to cope, although I think this generation is the first one to sit and refuse to help themselves and expect mom and dad, the government and others to do it all for them.
Instead of bailing them out, help them find a solution or, better yet, step back and let them find their own solution. They may flounder and go under a bit but believe me, in spite of what everyone thinks, the spirit of survival is still a strong motivator and even though they may be uncomfortable for a while, they will not only live, but become stronger and better people for it.
We don’t have enough faith in our kids and we don’t give them enough credit. No wonder so many don’t try to take care of themselves — If mom and dad don’t have faith in them, they can’t have faith in themselves.
One other practical thing to do is to sit down with your kids and explain you feel you are doing them a disservice by bailing them out and have decided to let them live their own lives from now on, the good, bad and ugly of it all. Pick a time when everyone is calm and not tired or unusually stressed. Have some yummy desserts or snacks and sit and talk.
If you feel better about it, you can give them a small amount (and I mean small) to give them couple weeks to find a job, place to live or whatever. Then explain that there will be no more. Whether you do this or not is something you have to decide for your own situation.
Be prepared for them to get mad, hurt and to rant and rave, but they will eventually get over it. Even if they don’t, you have to let go and realize how they react is no longer your responsibility but between them and God. Besides, if the only way you can keep your children’s love is by paying them for it, is it really love? I don’t know, but it is something to think about.
Is there a time to help adult children? Yes. I would give my children money in a heartbeat, but only because they have proven themselves worthy and responsible over the years. I have insisted they take money from me from time to time in years past and they have always been grateful and paid me back in a timely manner. On rare occasions we all need help, but we shouldn’t ask for help until we have done everything and sacrificed all we can to help ourselves first.
Jill