Family Keeps Asking For Money and I Can't Say "No!"

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  • Опубликовано: 29 авг 2024
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Комментарии • 575

  • @jcorona6627
    @jcorona6627 2 года назад +1396

    There’s a Spanish saying that translates to: “if you’re not embarrassed to ask me for money, I’m not embarrassed to say no.”

    • @RedsRtrouble
      @RedsRtrouble 2 года назад +43

      Love it!

    • @random-nz7dy
      @random-nz7dy 2 года назад +35

      This is great.

    • @arthurvasey
      @arthurvasey 2 года назад +34

      Si no te da vergüenza pedirme dinero, ¡no me da vergüenza decir que no!
      I don’t actually speak Spanish - that’s how Google Translate translates it - it most likely reads “Have you got change for 100 pesetas?”.

    • @siegfriedbraun5447
      @siegfriedbraun5447 2 года назад +37

      Except that in latino culture, there seems to be a profound lack of embarrassment. For both parties.

    • @ethxo6734
      @ethxo6734 2 года назад +1

      I love that 🤣💀

  • @15KHPCLUB
    @15KHPCLUB 2 года назад +772

    My parents died when I was 17
    When i asked my so-called "family" to let me stay with them and support me
    They said "That's not our problem, get your own money!"
    Yet they spoil their children
    Years later I got into financial services and received a substantial structured settlement from my parent's deaths
    They found out and tried to reel me back in
    I replied "That's not my problem, get your own money!"

    • @bettysmith4527
      @bettysmith4527 2 года назад +53

      Sorry about your parents!! Your situation is a bit different since you were a minor and essentially homeless and parentless, the folks this lady is talking about are capable of working and paying their own way, they just choose to spend uncontrollably!

    • @seventhchild7270
      @seventhchild7270 2 года назад +25

      @@bettysmith4527that's Tyler's point!...parents died, only 17 years of age, and no one helped, especially with the parents dying!...

    • @seventhchild7270
      @seventhchild7270 2 года назад +40

      Tyler Lowe...SAVE your money, do Not go into debt, get your education or training , WORK hard and live your life being, DEBT free, HEALTHY, spirtual, peaceful, independently! and let NO one use you, and stay away from TOXIC, negative, people!

    • @PInk77W1
      @PInk77W1 2 года назад +12

      Amazing story.

    • @Sheryl777
      @Sheryl777 2 года назад +22

      Tyler in that kind of situation, I think you did the absolutely right thing!

  • @ehsoule
    @ehsoule 2 года назад +183

    When you have broke family, you have to make them think your broke. Human psychology is so crazy, if they know you have a million and you give them 100 they will be insulted, but if they think your broke and you give them 100, they will be thankful.

    • @teresalee3567
      @teresalee3567 2 года назад +6

      @@absolutetruth3290 OMG!!!! that is so true!!!!!

    • @clarifyingquestions
      @clarifyingquestions 2 года назад +1

      Who is they - the baby?

    • @Lcshell
      @Lcshell 6 месяцев назад +17

      Ummm no. They will not be thankful. They will be happy to take your last hundred then ignore you until they think you might possibly have another hundred they can take.

    • @MichaelDeLaRosa
      @MichaelDeLaRosa 6 месяцев назад

      @@Lcshellfacts

    • @pucie_boi
      @pucie_boi 4 месяца назад +4

      @@Lcshell LMFAO do we have the same mom?

  • @alexandermarcus7646
    @alexandermarcus7646 2 года назад +324

    For those of us coming from families living paycheck to paycheck I find the following to be true: They will want your money and ask for it, resent you for being the one that has it, or like in my case both. Money does weird things to people you think you know, parents included.

    • @donaldlyons17
      @donaldlyons17 2 года назад +17

      I understand having a need and asking but I don’t understand when you give them the money they ask for and then later want even more!!! Things come up but to not be ready after already needing money is what I can’t understand.

    • @loveye
      @loveye 2 года назад +32

      I absolutely agreed. Money change people, unless you want a broken family or relationship, it's best not to talk about money or how much money you received at work or bonuses or if you won money. People out here are batshit crazy just for an extra dollar bill.

    • @josedopwell9645
      @josedopwell9645 6 месяцев назад

      Money doesn't change a person's character, it reveals it. Oftentimes when God wants to test a man for ministry, He tests him with money. Elisha's servant Gehazi could have asked for a double portion of his spirit, the same way Elisha asked Elijah. There are 7 recorded miracles through Elijah, while Elisha has -- wait for it --- 14!! But Elisha's servant's greed became clear when he chased Naaman down to be rewarded for him being healed of leprosy. Gehazi is now remembered not as a man of God, but as one who was stricken with leprosy for his sin. If he'd had a similar heart and attitude as Elisha, perhaps God uses him to 28 recorded miracles.

  • @Hannah-nc7cb
    @Hannah-nc7cb 2 года назад +235

    I almost spit my food out my mouth when Dave said “she won’t loose weight when you don’t eat” lol

  • @johnathansteil8186
    @johnathansteil8186 2 года назад +324

    My sibling called me to ask for money once. I asked if they have sold a vehicle? No. Have you pawned or sold any of your belongings? No. Have you borrowed from your work 401k? No. Is it a health emergency? No. I politely declined. Never been asked again.

    • @kojinmaster
      @kojinmaster 2 года назад +4

      On the flips side. I would be so angry he my siblings never borrowed me money. I have paid them all back and now still in debt with them because I owe them for helping me

    • @donnyj9487
      @donnyj9487 2 года назад +15

      This is a really good response!

    • @isabelaciobanu9611
      @isabelaciobanu9611 2 года назад +9

      We're talking about a sibling. Jesus..I would give a kidney to my brother if he needed me. If you are able to help him/her than why wouldn't you?

    • @donnyj9487
      @donnyj9487 2 года назад +40

      @@isabelaciobanu9611 Helping and enabling are two different things. I'm sure no one has an issue with helping, but you have to be willing to help yourself before you go asking others.

    • @johnathansteil8186
      @johnathansteil8186 2 года назад +25

      @@isabelaciobanu9611 It's why I asked if it was medical. If its medical for them or one of the kids then that is a different scenario and if that is the case we would just do a gift with no repayment.

  • @zoraster3749
    @zoraster3749 2 года назад +103

    “You promote what you permit.”

  • @PInk77W1
    @PInk77W1 2 года назад +287

    When my wife divorced me I called my rich brother and asked for $2000 to help get me an aprt. He said no. When I hanged up the phone
    I knew it was now sink or swim.
    Now I’m doing great. Him saying no was the best thing that ever happened to me

    • @kojinmaster
      @kojinmaster 2 года назад +2

      Can you elaborate? How did it work out for the better as apposed to you getting the money

    • @drewdelaney4166
      @drewdelaney4166 2 года назад +10

      This sounds very suspect. Life ain’t Hollywood ending. What really happened when he turned his back on his brother??

    • @webfreakz
      @webfreakz 2 года назад

      couldn't you sleep on his couch for a couple weeks?

    • @katemiller7874
      @katemiller7874 2 года назад

      Your bro is a d…

    • @Tunechi65
      @Tunechi65 2 года назад +18

      @@drewdelaney4166 he robbed his brother and got more than 2k

  • @coniccinoc
    @coniccinoc 2 года назад +106

    I used to give money to my family when I had very little to give.
    They had zero gratitude and even resented me for not giving more.
    Told them to never call again when you want money.
    Haven't talked to them in over 20 years, it has been wonderful.
    I am wealthy now and they haven't changed.

    • @janelleg597
      @janelleg597 2 года назад

      If you haven't talked to them how do you know how they are doing? Friends?

    • @candy2325
      @candy2325 2 года назад +8

      @@Austenfan177 that part right there .. I have a family member with that mentality when I had very little to give and I was trying to help them and they had that attitude. It infuriated me. Put my foot down ever since

    • @jet4415
      @jet4415 2 года назад +5

      I applaud you for not talking to your family members for twenty years. People question me about the same and the issue here is that they haven’t called me either. 💁 We are taught that “blood is thicker than water” then we question the horrendous relationships with siblings. Sometimes you gotta end bad relationships.

    • @melorileytv3408
      @melorileytv3408 2 года назад +2

      That’s crazy

    • @lovethemflowers
      @lovethemflowers Год назад +1

      @Venture B - See? You can’t even GIVE it, expecting no repayment, and some people STILL aren’t happy!

  • @traveler320ak7
    @traveler320ak7 6 месяцев назад +27

    If family knows you have a huge heart and lots of empathy they work it….it feels horrible

    • @janec1489
      @janec1489 2 месяца назад

      Same with friends

    • @all_things_beautiful6905
      @all_things_beautiful6905 2 месяца назад +3

      That's me. I make the least out of my siblings and I have two children I support. I don't have a second income from a spouse like they do, but I'm trying to save so I can buy a house and a car. They'll ask to borrow money and I'll say no, then I'm guilted into giving it to them. They're living beyond their means, and even if they end up with a few extra dollars they never give me anything towards what they borrowed. I'm so tired of it. It's like they don't care if I never have anything in life, and that hurts.

    • @FabulousCucumber-ip9hu
      @FabulousCucumber-ip9hu 16 дней назад

      They don't love you. I'm so sorry.

  • @justinbowman2126
    @justinbowman2126 2 года назад +140

    My sister used to ask for money a lot. After a few times, I said I would give her the money on one condition, I help you set up a budget. I helped her and she has never asked since.

    • @llallogen7380
      @llallogen7380 2 года назад +31

      I did the same thing for a friend. However, she did not accept setting up a budget, and she never asked me again haha

    • @genxx2724
      @genxx2724 2 года назад +26

      @@llallogen7380 Either way it’s a win.

  • @AmberCaprie
    @AmberCaprie 2 года назад +346

    I completely understand her. It's hard to say no to family. It was so powerful when Dave said she was not morally or spiritually obligated. I felt that in my heart.

    • @howlbeast
      @howlbeast 2 года назад +13

      She got her own bills etc they just selfish putting their needs above the enabler

    • @jimroscovius
      @jimroscovius 2 года назад +10

      No, it's not hard at all.

    • @mikenelson8377
      @mikenelson8377 2 года назад +12

      No it’s not. You’re an enabler. I say no all the time to family and it’s so gratifying. 😌

    • @mikenelson8377
      @mikenelson8377 2 года назад +6

      @@jimroscovius yeah, I’m with you too. It’s not hard at all to say no.

    • @Sheryl777
      @Sheryl777 2 года назад +8

      Amber Hollis for all the people commenting that it's not hard to say no, I disagree as far as if a person is an enabler...then yes many times it's hard for that person to say no, because they have their own issues with boundaries. I know, because I am overcoming being an enabler, but I'm realizing more and more all the time that although I may decide to help someone, I'm not morally obligated to give every time they ask me to help. I can say no, and I'm finding that out more and more as I grow out of that enabling mindset. I'm happy for all you people who say it's not hard for you, but there are many of us out here who have had to come out of an enabling way of life...My problem has always been wondering how I would feel if I really needed help and there was none, and so I help others because I feel too much sympathy for them...even to my own detriment sometimes. It's not always "easy" to change or be like you all are automatically for some of us, but I am working my way out of my enabling ways though. 😊

  • @JuanitaX
    @JuanitaX Год назад +196

    "If you have to buy your love. That's called prostitution."
    That hits home.

    • @annamc8228
      @annamc8228 7 месяцев назад +2

      So true

    • @tarankalawat1646
      @tarankalawat1646 7 месяцев назад

      Nice, Never Thought About It This Way.

    • @1SmokingLizard
      @1SmokingLizard 6 месяцев назад +1

      Wrong. Lust....not Love!

    • @traveler320ak7
      @traveler320ak7 6 месяцев назад +1

      When someone loves you more the more money you hand out it feels horrible.

    • @ecclairmayo4153
      @ecclairmayo4153 4 месяца назад

      ​@1SmokingLizard - exactly. Not the same!

  • @orangesun3030
    @orangesun3030 2 года назад +19

    I stopped giving out money to some people and now I don’t hear from them, oh well.

    • @sheronnambuya8895
      @sheronnambuya8895 Месяц назад +3

      That means they only loved your money and not you.

  • @heyitsablackguy9553
    @heyitsablackguy9553 2 года назад +97

    The word," No," has saved me from alot of debt, relationships with people and family too. You're not egotistical, mean, uncaring, arrogant or selfish for saying that word, you're just smart. Don't feel bad.

  • @davidpowell3347
    @davidpowell3347 2 года назад +50

    The people who really need and deserve help generally won't ask for it,the people who are inclined to ask for help boldly with confidence or even demand it generally don't deserve it

  • @sweetcandy111204
    @sweetcandy111204 9 месяцев назад +23

    What’s worse is when you feel guilty for spending a little money on yourself because your family thinks that they deserve a piece of what you’ve earned for yourself.

    • @latricewillins-butler5403
      @latricewillins-butler5403 7 месяцев назад +3

      I felt guilty at one point, and I was even called selfish, and now, looking back, I realized there's no point in feeling guilty for spending what I worked hard for. Sometimes family think they're deserving and entitled to what belongs to you, and what you work hard for, and that's their own problems and selfishness, not yours. Live your life guilt free😇

    • @bushybrow0024
      @bushybrow0024 5 месяцев назад +2

      ”For Scripture says, “Do not muzzle an ox while it is treading out the grain,” and “The worker deserves his wages.”“
      ‭‭1 Timothy‬ ‭5‬:‭18‬ ‭NIV‬‬
      You work, you’ve earned!

    • @latricewillins-butler5403
      @latricewillins-butler5403 5 месяцев назад

      @@bushybrow0024
      God Bless you💚💙❤️😇

  • @shawne6216
    @shawne6216 2 года назад +127

    When he said “I set you free” I felt a weight lift off my shoulders and I’m not even on the call 😮‍💨

    • @Dulce-cm2kx
      @Dulce-cm2kx 10 месяцев назад +7

      Same here.
      The power of the word! 🙏

    • @olubunmiige7678
      @olubunmiige7678 4 месяца назад +4

      Yeah! That phrase hit hard as prayer from heaven

    • @Cocitaful
      @Cocitaful 4 месяца назад +2

      Same here!

    • @eliocosmos
      @eliocosmos 3 месяца назад +2

      I actually levitated and hit the ceiling fan.

    • @FabulousCucumber-ip9hu
      @FabulousCucumber-ip9hu 16 дней назад

      ME TOO!!! 😅

  • @samanthasmiles9112
    @samanthasmiles9112 Год назад +25

    The difference between enabling versus helping:
    Helping is doing for others, which they CAN NOT do for themselves.
    Enabling is doing for others, which they SHOULD be doing for themselves.
    Make no mistake, enabling is abuse, and it harms everyone involved.

  • @scottsanders5595
    @scottsanders5595 Год назад +49

    Let's see: Hunter and her husband are saving up to buy a house, but her sister buys a house she can't afford and then goes to Hunter to bail her out and Hunter bails her out. Hey, girl, you keep doing that, you're never going to get that house for yourself.

  • @SeanBaker
    @SeanBaker 2 года назад +75

    She probably told her family she paid off her debt. Keep that to yourself next time.

    • @blacksnk
      @blacksnk 2 года назад +25

      Never discuss your finances with people, Especially broke family!

    • @15KHPCLUB
      @15KHPCLUB 2 года назад +9

      Sad but true
      Relatives can be the biggest vultures out of everyone in your circle

    • @candy2325
      @candy2325 2 года назад +8

      I agree! If I was to become debt free I wouldn’t even announce it including trying to come on the show 😅 people watching

    • @JBCookies8885
      @JBCookies8885 2 года назад +2

      Not being able to tell your family that you are debt free is more indicative of trust problems than anything else. Not saying your advice isn't wise. Just that the necessity of it makes me sad.

    • @lynnebucher6537
      @lynnebucher6537 2 года назад +3

      I made that mistake, and the grifters promptly used it as leverage to try getting a piece of my pie. Never again.

  • @englishrose4388
    @englishrose4388 2 года назад +27

    “I set you free right now.” 😭 She needed to hear that.

    • @aktchungrabanio6467
      @aktchungrabanio6467 3 месяца назад +1

      It's take SO MUCH MORE than that to break that habit though. One phone call ain't changing anything long term.

  • @titan3063
    @titan3063 2 года назад +45

    You have to learn to say “NO”.

  • @westsidesagittarius3103
    @westsidesagittarius3103 2 года назад +75

    This hits harder for poorer communities family's from poor neighborhoods when you're the person who makes it out the hood everyone has they're hand out and because y'all struggled together at some point it feels like you're required to give something

    • @mmh2112
      @mmh2112 2 года назад +8

      Facts it feels like survive remorse.

    • @Liimpy
      @Liimpy 2 года назад +23

      I struggled with this for a long time and still do in some ways, just remember that you're the one who made the decisions and put in the work/sacrifice to get out of that situation while they did nothing.. i moved away and never looked back

    • @westsidesagittarius3103
      @westsidesagittarius3103 Год назад +10

      @@Liimpy you right man although I feel like there's just so many distractions in the hood that prevents blacks from making it out it's a game but definitely can't be mad at the ones who do make it out they worked hard.

    • @Rebecca.xoxoxo
      @Rebecca.xoxoxo Год назад +2

      They’ll be just fine in the hood, it’s all they’ve ever known anyway so why does that change because YOU got a little money?!

    • @westsidesagittarius3103
      @westsidesagittarius3103 Год назад +2

      @@Rebecca.xoxoxo it always changes literally everything changes you enter another tax bracket compared to them you eating better food dressing nice driving better cars before you know it your moving further away but it will get lonely not everyone can just live peacefully knowing they're family /friends is struggling

  • @user-yy2zz7wk1z
    @user-yy2zz7wk1z 2 года назад +27

    Don’t feel bad about them being broke because it’s not like they feel bad about themselves. If they felt bad enough they’d make better choices.

  • @jellygurl27
    @jellygurl27 2 года назад +72

    You are a nice person like me and you have to put up boundaries. Sometimes also it's best to be discreet and the underdog. Do not tell your relatives how much money you make. They will use you up.

  • @oa5828
    @oa5828 2 года назад +49

    The best thing is to say "we don't have any money even for ourselves". If anyone keeps asking for money, start letting them know times are getting hard personally and that you have no money. NEVER talk about having money to people who you feel or know will ask for money.

    • @chrisspear3551
      @chrisspear3551 2 года назад +10

      I have tried to play the Iam broke game to but never seems to go well for me can't hide it when they can smell it .

    • @sizweshongwe331
      @sizweshongwe331 Год назад +2

      Best strategy

    • @billmelater6470
      @billmelater6470 Год назад +3

      No, the best answer is no. Saying, "sorry I dont have any" means you will if you have some and if the lie is found out, you're done.
      Adults need boundaries as much as children.

    • @mikasaackerman8232
      @mikasaackerman8232 Год назад +2

      I say no. I actually like living honestly and with integrity, but when I say no, I’m kind about it.

    • @alisondare7203
      @alisondare7203 5 месяцев назад +2

      I got asked all the time after my divorce. It was almost like they could smell a single, vulnerable woman. A couple of times I lent but never got it back so stopped saying yes. Nowadays, I only give to registered charities. I work as a teaching assistant (one of the worst paid jobs in the country) and live a quiet life, in a moderate house. It's so much better this way.

  • @DeadBeatCousin.
    @DeadBeatCousin. Год назад +24

    My main problem is mother and sisters always wanting money from me. I’ve given my mother and sisters money to start a business and help themselves but they’re always doing something else with the business money and coming back to ask me for money. I am tired and done with them. 🤦🏿‍♂️🤦🏿‍♂️🤦🏿‍♂️🤦🏿‍♂️🤦🏿‍♂️🤦🏿‍♂️🤦🏿‍♂️🤦🏿‍♂️

    • @Rebecca.xoxoxo
      @Rebecca.xoxoxo Год назад +7

      Don’t give them not a penny more, EVER!! The reason they squander the money is because they know they can just call you to ask for more. DON’T do it

    • @eleanorwalmsley635
      @eleanorwalmsley635 6 месяцев назад +2

      Oooooooof... Tough situation, no one takes the pee, quite like family

    • @catnapper7509
      @catnapper7509 25 дней назад

      In your case, they are in the wrong. You tried!

  • @jvsaints3028
    @jvsaints3028 6 месяцев назад +9

    I was 50 years old when I finally learned boundaries. Prior to that, I had no idea I was entitled to them. Looking back, this lesson has been one of the best in my life. This skill transferred to other areas of my life and I am so grateful.

  • @hiteshadhikari
    @hiteshadhikari 2 года назад +50

    *When is enough enough?*
    *The day they ask u for money 2nd time without returning the money they took from you the first time*

    • @genejohnson2738
      @genejohnson2738 2 года назад +4

      That’s another thing. Never just give money to family. Lend it with paperwork. The act of making it official makes it of importance and it’s something to pull out, and ask them to pay it back before coming to you again...

  • @AD_2314
    @AD_2314 8 месяцев назад +6

    “You have absolutely zero moral or spiritual obligation to a sibling that’s misbehaving”. 😢 I felt so guilty for saying no to my sibling but this statement made me feel better.

  • @robertblaney5033
    @robertblaney5033 2 года назад +17

    Keep on giving & they will keep on asking. It will never end. Kind of like feeding a stray cat.

  • @thao0226
    @thao0226 2 года назад +14

    That "I set u free" is important. It's such an emotional relief.

  • @butterflygirl2285
    @butterflygirl2285 Год назад +12

    My sibling called me today, after not speaking to me for 10 years (she inherited everything from our parents when they died, because they were classic enablers). That is another long story that I won't go into right now. Today she contacted me and wants money supposedly to pay her property taxes. Otherwise she said she will lose her house. I checked on-line and, her property taxes are current. What the heck?

  • @brianmcg321
    @brianmcg321 2 года назад +33

    I read where a guys uncle asked on their family group chat to borrow money as he was behind on his mortgage. This guy felt bad and called his uncle to get some info and was going to send him some money. His uncle laughed and said he only posted that so other family members wouldn’t ask HIM for money. Lol.

    • @Stop007
      @Stop007 2 года назад +14

      That uncle is a black-belt in human psychology. It leaves you in awe... :)

    • @candy2325
      @candy2325 2 года назад +3

      Omfg 😂 smart

  • @bffoxjr
    @bffoxjr 2 года назад +27

    Here's two ways I've seen people go about it:
    -One is to pick an amount you're comfortable with losing. Give it to them and let them know, "Until you pay me back, don't come to me for help again."
    -Two is to ask them for their vehicle, keys, and title for collateral. I knew a guy who did that and THAT sent the solicitor running.

    • @soleilwhitton6397
      @soleilwhitton6397 2 года назад +7

      Three- When they come back a 2nd time asking for money, say to that person, "I was about to ask you for my money back." You won't get your money back, but they won't ask again either.

  • @bones6554
    @bones6554 2 года назад +28

    I was in a similar situation. My mom and dad has always gave money to both of siblings. When my dad died my mom went through the money in no time keeping my sister and her kids up. One day my mom asked when somethimg happens to her to make sure my sister and kids got some money. I told her my sister and her kids are not my responsibilty and if you want them to have you leave it to them. Needless to say my mom got mad but has not mentioned anything about it again and it's been about 10 years ago.

  • @seventhchild7270
    @seventhchild7270 2 года назад +16

    PEOPLE will use you until NO end!..I was DOING the same thing with a couple of granddaughters that's grown, great jobs, etc...But I stopped it, they're all doing well once I stopped enabling them!.... Even I had to learn the hard way when I was younger!...

  • @albertsguppyadventure4293
    @albertsguppyadventure4293 3 месяца назад +2

    This happens in phillippines like 90%.of the employed individuals. Wherein the employed individual has to support the family and the remaining siblings.

  • @Overlord277
    @Overlord277 2 года назад +33

    Dave is 100% right. It's never wrong to give money to family but as long as you, the provider, is able to, take the time to love and help your family.

  • @mybookoflife748
    @mybookoflife748 2 года назад +20

    If they can have the audacity to ask, they can have the audacity to receive information to get better

  • @Marie99999990
    @Marie99999990 9 месяцев назад +5

    Once upon a time, I was in the same boat and a wise person made a point that really resonated with me. If you pay that bill, you take away your brother’s ability to step up and take care of himself and feel that success. Ramsey is completely right - it’s like giving the drunk a drink. “You forgot your raising!” I have heard that so many times.

  • @trucker2323
    @trucker2323 2 года назад +23

    Don’t let your emotions make your decisions
    Good luck.

  • @evelyndaisy9722
    @evelyndaisy9722 2 года назад +63

    This is my never ending issue . The sad part is when they ask you for a loan knowing they’re not going to pay you. I rather just give you the money .

    • @gabolujan3109
      @gabolujan3109 2 года назад +12

      I release you. You are not morally obligated.

    • @scaryguppy1071
      @scaryguppy1071 2 года назад +2

      Stop doing it! Say you can't right now, say you don't feel good about this anymore, and say it with love. You can do it

    • @megalodon1726
      @megalodon1726 2 года назад +7

      If you've already lent them money and they haven't paid you back, that makes it easy to say No the next time. "Where's the $1000 you owe me?" will shut them up quickly.

    • @shaylaahava6413
      @shaylaahava6413 2 года назад +1

      I was taught to never lend money to anyone under the condition that if they do not pay it back to you, it will not set you back financially.

    • @nonebusiness2926
      @nonebusiness2926 11 месяцев назад

      you read my mind.

  • @nancygamez7087
    @nancygamez7087 2 года назад +4

    Set some boundaries. You have the right to say no to anyone

  • @andreachilton6037
    @andreachilton6037 3 месяца назад +2

    You'll eventually learn to say no... When you have nothing left! Say it now and have something to show for it, or say it later and have nothing.

  • @Sheryl777
    @Sheryl777 Год назад +7

    I wholeheartedly agree, and I thank Dave so much for saying this to all the enablers out there: "If you have to buy your relationships, that's called prostitution. It's not a real relationship." Also: "It's ok to say no, and you really, really need to."

  • @deejay22able
    @deejay22able 2 года назад +23

    This is difficult and it hurts to say “no” to my parents who raised me and gave me an education. Now they are financially illiterate.

    • @uuubeut
      @uuubeut 2 года назад +1

      There is a time of tribulation coming . God is watching

    • @bettysmith4527
      @bettysmith4527 2 года назад +1

      @@uuubeut The cost of living is SO HIGH that most people cannot afford to support their parents financially plus themselves and even kids!

  • @BlueBoxGirl1837
    @BlueBoxGirl1837 2 года назад +10

    My reply to my family has been......you don't get to good time on your money and be responsible with mine. Meaning: You don't get to party with your check and pay your bills with borrowed/given money from me.

  • @samanthasmiles9112
    @samanthasmiles9112 Год назад +12

    I dont know why people have such a hard time saying "we don't have it. Sorry." Stop telling your toxic family how you are doing financially.

    • @user-ir8je2zq8q
      @user-ir8je2zq8q 4 месяца назад

      My family is friends with the paralegal at personal injury firm...and why they all positions themselves to get money

    • @janec1489
      @janec1489 2 месяца назад +1

      Thing is, if you're close with people, they kind of know your income and how much you got coming in. And if you say you have no money then make a big purchase, you look like a liar! So it's hard to just say "I don't have it"

    • @aissers6840
      @aissers6840 9 дней назад

      They are watching.

  • @carladossantos1142
    @carladossantos1142 2 года назад +66

    God bless Dave, for teaching us soooooo much besides financial knowledge, and for bringing Dr. Delony to the team. It's massive what they have done for me, especially when it comes to boundaries and family. So much gratitude for y'all ❤️

  • @tinasun6909
    @tinasun6909 8 месяцев назад +3

    I learned a lot. Love means helping your loved ones get independent, not dependent on anyone. Thanks!

  • @strutacristian
    @strutacristian 2 года назад +40

    I was in the similar situation. The best thing you can do for them now is to say NO. It will put them in the situation to find solutions. Sure, they will hate you but it might be a good thing for them, they will be forced to find solutions and maybe in one year are getting out from paycheck to paycheck situation

    • @15KHPCLUB
      @15KHPCLUB 2 года назад +5

      Agreed
      It was very enlightening to see relatives like my "Godparents" tell me to "pull myself up by my bootstraps" when I was in danger
      However, had no issue giving my little cousins every toy they wanted, expensive cars, lavish vacations, sending them to prestigious private schools and universities, and so much more
      That taught me I'm truly not entitled to anything at all, not even a loving family
      Which is why I bless my stepmother regardless if she's well-off because she took me into her home and raised me as her own son
      Give a hand-up, not a handout

    • @juniorgod321
      @juniorgod321 2 года назад

      Exactly! And also, she can also block their number, ghost them and put a restraining order!

    • @LoveLife-oo9cz
      @LoveLife-oo9cz 2 года назад

      @Tyler Lowe. Well what did you expect then? You are not their kid. Where were your parents? Immediate family is more important than relatives and extended family members. That's rule #1. I don't see the point of comparison is necessarily. I have a few brat nephews and my son. We took those kids to the happiest place on earth, Disney. They in turn sound so entitled lately and their family is respectful to me. I cut them off. No more spending on brats except my son. At least my son is so grateful to me. If I have a grateful nephew, I don't mind to help and guide to a better future, but you can't trust them they are proven to you they are entitled brats.

  • @johnwynn5396
    @johnwynn5396 8 месяцев назад +4

    I THINK IT THE LACK OF RESPECT THAT CAUSES FAMILY TO SEEK MONEY TO NO END

    • @aissers6840
      @aissers6840 9 дней назад

      so true I was Disrespected over and over.....I learned my lessons the hard way.

  • @azteca6695
    @azteca6695 2 года назад +9

    My friend is guilty of this. She has given them so much money to her brother and sister. They don't pay her back. But demand for her to help them out.

  • @stewbugz5213
    @stewbugz5213 2 года назад +9

    Dear caller, do not feel obligated to pay for your families poor financial decisions! I did this game with my parents (briefly) and decided to break this game up years ago. They are so broke and still play that manipulative game with all of my siblings and oldest child. Its a circus that I choose to not attend! I have been ostracized because I won’t enable this illness! Take care of your family’s finances. I told my Dad sorry but that my money has to go to my kids! Be strong and don’t enable them!
    Good advice Dave and Dr John!

  • @gina9684
    @gina9684 2 года назад +6

    You're taking away from your own family. SAY NO!! because it will never stop If you don't.

  • @nordrassil1
    @nordrassil1 2 года назад +19

    I only had to borrow money once (for school) from my mom and she graciously lent it to me. I was hoping to keep my ROTH IRA but sadly I had to liquidate it to pay her.. just an unfortunate financial lesson to learn! Good lord I don't know how people can be THIS bad with money. You can't change THEIR spending habits.

  • @user-yy2zz7wk1z
    @user-yy2zz7wk1z 2 года назад +15

    I just pretend I’m broke and no one asks me for money anymore. It works well. I don’t flaunt my money around either so they can’t say things like well you have a nice car or any of that stuff.

    • @janec1489
      @janec1489 2 месяца назад +1

      Just wondered what you do say when you do have to make a big purchase? As people will wonder where money is coming ftom.....

    • @sheronnambuya8895
      @sheronnambuya8895 Месяц назад +1

      Live your life and make whatever purchases you want - you owe nobody an explanation - had you been living in a ghetto and scavenging in dustbins, would they accommodate you??? Life is short - enjoy your life♥️♥️

  • @smartcookie3500
    @smartcookie3500 2 года назад +9

    If you keep bailing them out then you are enabling them. If you love them, just say no.

  • @rose-marielewis4717
    @rose-marielewis4717 2 года назад +19

    Stop right now! Been here before! Don't bother offering advice, to do a budget with them, paying for FPU, stipulations, blah blah blah. Waste of time! Stop lending/giving them money right now! Do not discuss finances with them whatsoever! Don't tell them what you're doing with your money. Plead poverty! When they call and ask you for money tell them you have your own financial issues and can't help them. They know that you're their personal back up. STOP NOW as you're only harming yourself in the long run and they will never learn as long as you keep bailing them out.

    • @donwayne1357
      @donwayne1357 2 года назад +5

      Yep. Don't set yourself on fire to keep others warm.

    • @lovethemflowers
      @lovethemflowers Год назад +1

      @Rose-Marie Lewis - EXACTLY! I felt my sister thought of me as HER backup plan. Years ago, she asked for gas money. I offered to bring her Dave’s Total Money Makeover book. She said I could bring it over, but she wouldn’t read it. I should have stopped lending her money from that point on. I’m done helping her. Time to let her see the results of her financial irresponsibility. Might be the wake up call she needs.

    • @janec1489
      @janec1489 2 месяца назад +1

      ​@@donwayne1357I love that!!

    • @sh4808
      @sh4808 2 месяца назад +1

      Yep and you won't reach your goals as a result. They will be on standby for infinity

  • @HeroC14
    @HeroC14 2 года назад +11

    The people with the "Family First"tattoo on their chest. Goodness people will rob you blind just because you're related to them. Not saying not to help people but give if you can give, don't ever feel obligated.

  • @ambermcdonald1302
    @ambermcdonald1302 2 года назад +13

    Her family is asking for her money, and she wonders if talking through a budget with them is overstepping 😵‍💫

    • @Lil-Whiskies
      @Lil-Whiskies 2 года назад +6

      Right? At the very least they OWE HER the time for that.

  • @genejohnson2738
    @genejohnson2738 2 года назад +7

    “I don’t support another persons lifestyle”. A good thing to just put out there....

  • @trucker2323
    @trucker2323 2 года назад +15

    Don’t allow your emotions overpower your intelligence!

  • @TRC19999
    @TRC19999 2 года назад +24

    That’s entirely on you for letting people take advantage

  • @Stop007
    @Stop007 2 года назад +15

    It's a bit like "fool me once, shame on you; fool me twice, shame on me". Once can be a real emergency and then interest-free family money is better than slavery-inducing bank money. But it better be a real life-threatening emergency. However when it keeps happening, it's the ruthless exploitation of the giver. The one making repeated demands considers themselves and their life to be more important and valuable than the giver and what the giver might use the money for in their own life. I experienced this both in the money and the work domains. People claimed a desperate situation to make me work for them and spend a lot of money trying to help them. When they misappropriated the money and I complained, they dropped me like a rock and started to defame me publicly. Never again. These days, I just tell such people how they can help themselves. Words are for free. Thank your enemies for making you wiser.

  • @Oglulubell
    @Oglulubell 6 месяцев назад +3

    Just say something like my financial advisor has all our extra money tied up right now. Tell them you don’t have it.

  • @brendahomer7236
    @brendahomer7236 Год назад +4

    Wow. Same thing with my sister. Asks for money but doesn’t want to take my advice.

  • @lorileo4319
    @lorileo4319 10 месяцев назад +2

    It's funny I'm in the same situation and live in the same city! It's hard helping family who won't help themselves.

  • @Bob-yh7ir
    @Bob-yh7ir 2 года назад +11

    It's easy to say no. Especially to family ! Just because we're related doesn't mean I allow your dis-function to enter my life. Nope..

  • @Borrow919
    @Borrow919 15 дней назад +1

    "She won't lose weight when you don't eat" ( 2:37 )

  • @victoriaquetel2822
    @victoriaquetel2822 2 года назад +18

    I find it incredibly insulting that someone will take my money but not my advise and put it into action. Do.the.things.- this statement keeps my family from asking me for money. They know better.

  • @richardnorman8402
    @richardnorman8402 2 года назад +5

    I have had this problem with my in laws and extended family. Good advise I hope she has the backbone to stand up. If she puts a boundary up they are gonna go crazy. Stand firm. My wife and I had to and they went crazy on my wife who is pregnant! That’s how crazy these people are. Stand strong.

  • @user-gj1pq5zm4l
    @user-gj1pq5zm4l 2 месяца назад +1

    I never had money issues with family until my dad was in his last illness. A lawyer helped me say no. But I wish I had known about setting boundaries earlier. They felt they could drop in unannounced when I had a new baby and at other inconvenient times, and I didn’t know I could set boundaries. Actually, once I did try asking my mom to speak to her brother about it, but I don’t believe she ever did. This means she was more concerned about upsetting him than protecting me. I’m an old woman now, and this still makes me angry.

  • @GDuncan8002
    @GDuncan8002 6 месяцев назад +3

    Money is fungible. When you give someone like that $500, you enable them to waste their own money, then have the loss made up by you.

  • @CaloyEdits
    @CaloyEdits 5 месяцев назад +3

    The best example of the Filipino family 😂

  • @queen-pu8ln
    @queen-pu8ln Год назад +1

    Iam in this mess for decades😢😢, all my family and relatives wants is money money money, there's no charting without asking for money. I started working @ the age of 8yrs old. When I am down, I am alone 😢. I did gave then too much to the point i went into debt. I wanted to take my life several times, do you think they care nop nop. I told them to count me out of the family / relationship. Thanks a lot. I will take this advice into much more consideration.

  • @ingridgallagher1029
    @ingridgallagher1029 5 месяцев назад

    "You are not morally or spiritually obligated; I set you free".
    🙏 Thank you Dave. I felt those words in my bones.

  • @d_all_in
    @d_all_in 2 года назад +8

    I lent my niece $100 but it came with a due date and an explanation of what she's going to do differently to not come up short next month.

  • @flea4061
    @flea4061 2 года назад +10

    If I ever win the lottery, I'm going to disappear.

    • @joycewright5386
      @joycewright5386 2 года назад +3

      If I ever win the lottery I will tell no one! I will quietly and anonymously help those I want to help and who deserve some help.

  • @donnyj9487
    @donnyj9487 2 года назад +8

    Imagine giving them money for the next 10-20 years instead of trying to teach them over the next 10-20 years. Either you’re going to be down with them or celebrating with them.

    • @donaldlyons17
      @donaldlyons17 2 года назад

      They may have an income problem not a management nor spending problem. In my opinion an income issue is far worst because there are no easy solutions to fix it!!

    • @Stop007
      @Stop007 2 года назад +2

      @@donaldlyons17 An income problem is the same on a higher level. They were too lazy to work hard and develop themselves with education or training to reach for the higher paying jobs.

    • @donnyj9487
      @donnyj9487 2 года назад +1

      @@donaldlyons17 Buying a home you can't afford isn't an income problem (mentioned in the video). That's a financial literacy problem. I was the person who bought things I had no business buying and wish I had solid mentors to keep me in check.

    • @donaldlyons17
      @donaldlyons17 2 года назад

      @@donnyj9487 Well some people don’t buy the cheapest stuff possible but without enough income even cheap does not work. I still say a expensive house one ant afford is an income issue because if they had the income they could afford it.

  • @aeromedical6750
    @aeromedical6750 2 года назад +6

    Here’s how I interpret “family should help family!” Where is the person who’s using that crutch as a means to be a mooch going to be in my time of need? In most cases, they don’t know your name when you need something from them. I don’t lend or give money to anyone who refuses to take ownership of their own bad decision making. I feel no compulsion to enable someone’s irresponsible behavior.

    • @georgewagner7787
      @georgewagner7787 2 года назад +1

      Just because you were born into the same family doesn't obligate you. You didn't make that decision

  • @nancyt6895
    @nancyt6895 2 года назад +10

    How would she feel if her husband were doing the same thing? Learn some boundaries and enrich your marriage.

    • @kcx2678
      @kcx2678 2 года назад +4

      Yeah. Feel sorry for the husband. I wouldn’t tolerate her or them if I were him. But that’s me.

    • @nancyt6895
      @nancyt6895 2 года назад +1

      It's disrespectful and it gets old.

  • @mikasaackerman8232
    @mikasaackerman8232 Год назад +1

    This has been me for years. I’m finally seeing the light.

  • @lisawright9626
    @lisawright9626 7 месяцев назад +1

    Nothing changes if nothing changes!

  • @dmoney8373
    @dmoney8373 2 месяца назад +2

    If you say “No” once, it gets easier and easier, and eventually they’ll stop asking.

  • @WiseAilbhean
    @WiseAilbhean 11 месяцев назад +1

    These type of discussions never get old, but the fact that we have to keep having these discussions is getting old 😂.

  • @1SmokingLizard
    @1SmokingLizard 6 месяцев назад +2

    Interesting take on this topic. Doesn't really fly in those Asian countries well. It's practically mandatory you support family even if you break yourself

  • @K.mit338
    @K.mit338 2 года назад +5

    I could hear the weigh lift off her shoulders when Dave told her that he sets her free from taking care of her sisters.

  • @siegfriedbraun5447
    @siegfriedbraun5447 2 года назад +12

    Man, it would feel sooooo good to say "sorry y'all, but not only do I not have any liquid, but every cent of my income is either invested or earmarked"!
    "But here's a book that may help. "

    • @bettysmith4527
      @bettysmith4527 2 года назад

      Are you a sociopath?? It never feels good to say no to family when they are on a sinking financial ship and at risk of loosing their home etc, or not being able to buy food for their kids if they have them. Is it their own fault, yes, BUT it's def not something that should make you feel good!

    • @siegfriedbraun5447
      @siegfriedbraun5447 2 года назад

      @@bettysmith4527 wait, did you just call me a "SOCIOPATH"? And you agreed it would feel okay, if it was their own fault. WHICH 100% OF THE TIME IT *IS"!! These sisters are in trouble because they made bad choices.

    • @tanyatanya891
      @tanyatanya891 2 года назад +4

      @@bettysmith4527 having healthy boundaries and saying no to an unreasonable request (this callers example) does not make someone a sociopath.

    • @candy2325
      @candy2325 2 года назад

      @@bettysmith4527 enabler

    • @bettysmith4527
      @bettysmith4527 2 года назад

      @@siegfriedbraun5447 umm, no that was my points It does not feel good, no matter what the situation, and if you think it feels good then, yes you are a bit of a narcissist in my opinion!

  • @SweetLivingByGrace
    @SweetLivingByGrace 2 месяца назад

    My favorite response when saying no, "I don't have any money for that right now." I put that sentence on repeat every time they put the question on repeat.

  • @Winnie-Kay
    @Winnie-Kay 2 года назад +12

    Family: can I borrow money?
    Me: I wish I could but I'm broke

    • @kojinmaster
      @kojinmaster 2 года назад

      You : I need help
      Family : i dont have the time

    • @Winnie-Kay
      @Winnie-Kay 2 года назад +3

      @@kojinmaster hahaha what you are leaving out is the four thousand five hundred dollars the family member has already borrowed and has yet to repay.

    • @aolvaar8792
      @aolvaar8792 2 года назад

      "You make $30K a month, all I need is $500

    • @Winnie-Kay
      @Winnie-Kay 2 года назад +2

      @@aolvaar8792 you need five hundred dollars? I need my fence repaired

    • @aolvaar8792
      @aolvaar8792 2 года назад

      @@Winnie-Kay
      Your Comment: " I wish I could but I'm broke"
      Be careful when you flat out lie.
      The example I used: "You make $30K a month, all I need is $500", would mean that you're flat out lying or really bad money management.
      It's on par with: "I'd rather burn the $500, than give it to you"

  • @theresachiorazzi4571
    @theresachiorazzi4571 2 года назад +5

    The truth is simple never spend more than you have but we all know people that don’t want to do without it’s their problem. It’s funny though they look to people that save their money and pray on their mercy. It’s just bull.

  • @janelleg597
    @janelleg597 2 года назад +4

    They can't learn to walk on their own if you're always the crutch

  • @mikenelson8377
    @mikenelson8377 2 года назад +6

    Oh, I say no all the time. It’s pretty easy 😌

    • @donnabennett5454
      @donnabennett5454 2 года назад +1

      Exactly. No is a complete sentence.

    • @mikenelson8377
      @mikenelson8377 2 года назад

      @@ematique4392 I promise that you have the strength 😌

  • @KNByam
    @KNByam 2 года назад +5

    My sister always asking me for vanity items. Now she has me giving money to people to buy stuff for her. I'm done with that.

    • @ang9968
      @ang9968 5 месяцев назад

      I know someone whose mom does this to her. Both the mom and her sister are on government assistance. The mom calls the oldest daughter ( who went and got a job right out of school ) and wants her to give her money for food and doc visits ( gas ) and other expenses, which the elderly mother then helps out her sister with. This has been going on for years. Sadly, she feels guilty if she doesn't help the mother. The younger sister even went behind her back and got power of attorney over the mother, and she had the mother give her the house! The oldest daughter didn't get anything!

    • @KNByam
      @KNByam 5 месяцев назад

      @ang9968 Yes its that guilt feeling that got to me all the time. Thankfully I mustered up the courage to say no. Since last October it's been, emergency only.

  • @Lifecounselor710
    @Lifecounselor710 Год назад +1

    Enabling seems right in the moment but it’s actually just tying and anchor to their leg

  • @user-ze7ls7ef5s
    @user-ze7ls7ef5s Год назад +4

    Say NO, MY money is going to retirement.

  • @joeriveracomedy
    @joeriveracomedy 2 года назад +5

    I funded a retirement account for my younger brother and he literally does not care. He just wants the money now.