She’s Worried That Her Mom’s Retirement Plan Is Relying On Her And Her Sibling To Fund Her Life
This 21-year-old girl was recently discussing retirement plans with her 50-year-old mom, and she was horrified by how that conversation went.
Her mom joked that she expects her and her sibling to basically fund her life after she retires from the workforce.
She prompted her mom to get serious and think about retirement in a way that didn’t involve her and her sibling.
“I just wanted an unbiased talk about her financial independence and planning after she retires, but from what I hear, she genuinely sounds like she does not have a solid plan and will most likely depend on us for income after retirement,” she explained.
“Obviously, I’m not happy with that; she’s practically setting me up to be stuck in a sandwich generation before I get the chance to even try and work myself.”
“She started talking about how I’m so scared of supporting her after she retires and brings up the fact that she always spends money raising me and giving me things and whatnot. Recently I felt that she’s started to give me things in order to weaponize it later on, saying how she’s so gracious and I’m unfilial for treating her like that.”
Her mom does have a job currently and isn’t retiring in the near future, so she can’t grasp why her mom is so down to rely on her and her sibling to support her financially.
Her mom is capable of planning for her own future, and she’s failing to see why that’s not her mom’s first strategy.
Lately, she’s taken a break from college and began working at a low-paying internship. Her mom keeps remarking on how she has failed to give her any money and that she does so much for her.
Look! – stock.adobe.com – illustrative purposes only, not the actual person
“I honestly felt so weirded out because why are you, as a 50-year-old working adult, eyeing the low salary of your kid who also has her own saving goals and bills to pay?” she wondered.
“It’s almost like stealing money from a beggar. Whenever I plan to do something, like have a nice outing with my friends or even go on dates, she would comment about how I use my money and not give her any. Like what? Am I supposed to just hand over my savings to you?”
She has no intention of abandoning her mom or dad in a financial sense when they do consider retirement, but she wants her mom to act like, well, more of an adult about such a serious topic.
She wants her mom to understand that she and her sibling can’t be her main source of income at any point in the future.
At the very least, she would like her mom to acknowledge that she’s in a bad place already by not having money saved for her retirement.
It’s not too late for her mom to change that, but with her mom wanting to dump that responsibility on her comes across as totally reckless to her.
“FYI, I asked her how much she expected and she named a price to be est 10-15% of an average office worker’s salary, which sounded ridiculous to me,” she continued. “But she thought that was the least I could do.”
She’s left wondering if it’s wrong for her to not want to financially support her mom in her retirement.
What do you think?
You can read the original post on Reddit here.
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