Dad asked for 30k to pay off credit card debt. Paid him and then he ran off and left my mom with her credit card debt still at 60k. She is asking me to pay it because she cant. My gf is furious and threatening to leave if I pay my mom because then we won't be able to afford a house.
This sounds bad but my grandma is going to leave my mom 1.5mil inheritance when she dies. So should I pay my mom and somehow get on the will? Or should I just take the hit and start from scratch? I will have to sell my extra car and take money out of my brokerage account to do this. I only make 110k a year so this shit is a lot of money to me. The bills have to be paid!!!

>>60485101 (OP)
>I only make 110k a year

>>60485151
110k a year after taxes is definitely not a lot, and if you have to pay a $30k credit card bill or more, it would definitely devastate you.

>gf
Not your wife so dump her complaining ass and help your poor mother. It is bad luck to forsake your family and you will get cucked out of inheritance for not doing so.

>>60485101 (OP)
time for grandma to meet the pillow

>>60485218
OP is destroying his financial future by allowing himself to be used by his family. His gf is right to get on his case about that.

>>60485101 (OP)
1. Leave your girlfriend asap.
2. Talk to your grandmother about the irresponsible ways of your mother with debt (if she wasted the money, and didn't have to pay some greedy doctor to survive).
3. Help your mother become financially responsible.
4. Never disclose any wealth you have to anyone. You get fucking minimum wage, and that's it. If you make it, you tend to an estate for some rich overseas fag for the right to live in the garden house, and run a failing luxury car rental to explain your lifestyle.

>>60485101 (OP)
>>60485151
>>60485168
>>60485218
>>60485246

This is just fucking creepy SHE LOOKS WAY TOO YOUNG what the hell is wrong with y'all

>>60485480
That's a man

what a lame larp
post some proof at least

>>60485101 (OP)
>didn't pay the credit card bill directly yourself

You are honestly so fucking stupid.

>>60485101 (OP)
Wait so your dad just did a pump and dump scheme over 30k in credit card debt? Based holy shit.

Seriously though. You should talk with your mom and the reality of her financial situation, and emphasize how stressful all of this has been on you. It’s not usual at all for people just starting their careers to give their 60-year-old parents 90k to pay down debt, and it’s not reasonable for her to expect you to do that when she’s on the cusp of inheriting more money than most people will ever hold in their entire life.

>>60485101 (OP)
your dad is probably in vegas.

if i had to choose when i was 25 i would most definitely pay the debt. but if you ask me now (almost 40 now) i wouldn't. let people take responsibility of their actions. the house you want to buy, even vacation you want to have more important than your parents debts. as for inheritance, you'll get your hands in that money at least in 50 years. it's a bad deal imo.

as for gf, don't dump her, she's right. she's trying to help you.

>>60485101 (OP)
If you could create a wife like a build a bear or something, my wife would honestly look pretty similar to this. Minus the tattoo and 80% less makeup. Anyways, I would say to give your mom some of it to help with the debt, but not the whole 60k. Your gf is right in the sense that a house is more important then her debt (at least imo), just make sure your gf's intentions are pure. Honestly I would propose to the gf (if you actually like her), get the house, then help mom with the debt.

>>60485450
This anon is thinking like the tribe. It's this kinda of tactic that will win, with some edits along the lines of removing the GF and clarifying the contract with your granny:

- tame the girlfriend before you try to drop her. stop discussing finances with her ffs
- think about what will make you happy to walk away from this endeavor and what will make you happy to engage. prsue those paths and you wont come out enraged
- my protip: go speak to your grandmother as the man of the family. explain the situation you are in and how helping out mother will lead to potentially devastating losses for you. is your mom so u have to do it. ask if grandma would be okay with leaving inheritence to you with understanding that you will financially educate your mom and make sure she is never financially ruined again, which is what you fear will happen if she gets that inheritance. TRIBE members will not engage until grandma has signed a will with your name on it. offer to pay for the attorney to make this all happen for you and your grandma with the understanding that it stays between the two of you.

it's a baller move anonbro but this is how you will WAGMI.

if GF gives you shti about this then pmp & dump thatr fine ass until fatigue sets in. there will be plenty more when inheritence arrives

>>60485101 (OP)
Dump your GF for threatening to leave first off, ask yourself if your mom is actually trustworthy with that money. Do you have any siblings? Is she still married to your dad? Your mom clearly isn't good with money so ask yourself if she gets the 1.5m is she going to blow it all or get used by your dad for the money? I'm assuming that the reason he wanted 30k was they have a few joint credit cards and he wanted to pay "his half" or something stupid like that.

If you aren't actually going to see that money from your grandma then don't and you have a very justifiable reason not to. In fact maybe you could go talk to your grandma about it and ask if she could put a clause in her will or something that if you aren't paid back you could get a portion of the inheritance money.

There's potential there to get back what's been taken from you and then some if your grandma is willing to help you out

>>60485101 (OP)
You should absolutely, positively NOT give your parents or relative any money to pay off credit card bills. These are unsecured debts and they're not at risk of being foreclosed on their house or having their cars repossessed. To have amassed as much credit card debt as your parents have shows very clearly that they are utter incompetent with money and any money you give them is money pissed away.

Do not give them any money to pay off their credit card debts. Let the default on the cards and force the banks to eat the loss. Your parents' credit rating will be dinged (it's probably already close to zero considering how bad they are with money) and it's likely they'll have difficulty getting credit in the future. However, they've proven they cannot responsibly use credit.

By all means, if they are at risk of being foreclosed upon, evicted, or having a reasonable care repossessed, help them out although perhaps in the case of a mortgage you should force the to sign over the title to you so you essentially own the house.

Don't let crying about "we're family" force you into a stupid action. Be *reasonably* nice to your parents but don't put yourself into the same poor house as you.

Your girlfriend is correct, BTW. She's thinking of the future if you two get married. She does not want to get dragged into the poor house by idiotice in-laws.

>>60485858
Damn this keyboard. Please excuse all the extraneous and missing characters.

>>60485101 (OP)
Do a 180 twice and leave them all behind. Theyre all losers and you will continue to be one until you change your habits.

>>60485858
dis bro is my nagga fosho. promising granny to help mommy doesnt mean you gong pay for the debt, just help her not to get into that sit-ay-shun again

>>60485300
>OP is destroying his financial future by allowing himself to be used by his family.
That's exactly the impression I'm getting. They'll never pay the debt even if they got a million dollars from OP. Pops only got the jump on him and Ma will do the same if she can get double the return on the grift.

Why is it always white families fucking each other over?

Anyways, are your parents getting a divorce? Everyone always knows that assets get split but what lots of ppl don't realize is that it's the same with debt. For example, if your parents own nothing then their net worth is -60k so your dad will be in charge of half of that.
I believe this is the case but someone correct me if I'm wrong

>>60485609
>>60485821
>>60485858
So my mom and dad were in a business together and the business got fucked during COVID so they were using personal money and some of my and my siblings money to keep it afloat. They usually paid it back. It's just this time my dad got too stressed and took my money and disappeared saying look for a divorce paper or my obituary in the mail. My mother is now left with cc debit among other debts. She just needs help with the cc. And then my dad will probably come back.

As for the gf she is justified since this will be the 4th big payment I had to make to my parents and I had to cancel several vacations and such to do it. And she stuck with me thru those tough times. but in my parents defense they did raise me and made sure I was always provided for.

As for my grandma she is in her 90s. She will help if needed but I don't want to go to a sick 90yr woman to discuss money. She absolutely hates money because of the stress it causes her.

>>60485101 (OP)
Whats it like to have sex with a girl with this body type? Slender and thin. Is it better than a curvier girl? I've heard because they don't weigh much, you can toss them around much easier. And that once you go teen skinny like this, you'll never go back

>>60486163
> but I don't want to go to a sick 90yr woman to discuss money.
waht the fuck?! sorry not sorryu but jew will never WAGMI

enjoy staying poor

>>60485101 (OP)
Your dumb fuck mom will blow that entire 1.5 mil given her 60k CC debt.

Imo get on Grandma's will ASAP, cut out the middleman.

>>60485101 (OP)
kek what a nice family

>>60485101 (OP)
Why does this scantily clad lady(boy) have Allah written on her stomach?

>>60485480
if theres grass in the field, play ball!

>>60486088
bootstrap pulling culture

>>60486163
At the risk of sounded hammy, they need to get out of the kitchen since it’s clear they can’t handle the heat. You need to stop giving them money because you’re just giving them more wiggle room to run up further credit card debt. Whether your dad divorces your mom or otherwise kills himself, cut him out entirely. He’s proven that every cent you give him is liable to be gambled away or spent on hookers or whatever it is he’s doing with the three months of worth of sweat you’ve given him.
>inb4 but they raised me
And you’ve more than provided for them in the meantime. Your parents are drowning in a shallow pond, and you’ve spent considerable effort trying to drag them back to shore. They repay you by trying to climb on top of your head. Let them drown or go down with them, OP.

>>60485168
>after taxes
Wtf, in europe not even 0.1% earn this
Fuck off 110k after taxes is insanely much. All over 50k after taxes is a lot

>>60486966
Are you European?

Anyway yes that's a normal American salary. It's actually lower mid tier in my opinion. Like that is what I'd expect for a few years experience at a white collar job in a medium cost of living location.

The downside that's not mentioned to these high salaries is:
1. Health insurance costs a decent amount and doesn't necessarily cover everything on basic plans.
2. Homes are priced pretty high for some dog shit quality
3. Public transportation outside of major cities (and even in some major cities) sucks major major cock of it exists at all, so you'll need to own a car, drive everywhere, and have a place to park it
4. Our food includes many things that are banned by Europe
5. Our guaranteed federal holidays+ time off + maternity/paternity leave is a mere fraction of what Europeans get

That all said it's a fair trade-off for many to make. Especially as you go higher level the salaries get quite nicenin the states. But I just wish it was easier to decide what system you want to live in rather than this cucked system of people essentially being stuck to the country they're born in

>>60486966
FWIW the median house price in Sunnyvale, California is over $2,000,000. And Sunnyvale isn’t some utopia. The housing market, like many things in this country, make it so that a mid six figure salary could very well be barely enough to save unless you’re willing to have roommates and live like a monk. I’m lucky to have a few very good friends from college and a gf to help get our house rent down to 1.5k per person, but the house itself is over 6k a month, not including utilities, internet, etc. Then there’s groceries, car bill, medical expenses, insurance, 401k/HSA, investments, so by the time you actually pay for everything, you really don’t have anything left over. Again, this is with a mid six figure salary and pretty frugal spending. If OP isn’t a crazy person pinching every penny, a 30k credit card bill is probably a decent chunk of his NW.

>>60486358
It's العائلة meaning family.

>>60487100
it seems no matter where you live, the local housing market is designed to drain most of the average income

>>60486163
>this will be the 4th big payment I had to make to my parents
My God. From the sounds of this, you must not give them any more money as it sounds like they are running a business that is nothing but a capital incinerator. It's a terrible idea to run a business using credit cards to meet its funding needs; it should be using a business loan which has much lower interest costs. Any money you give to your parents is only going to the banks in the form of usurious interest payment.

You haven't stated what kind of business your parents run but if there aren't a lot of fixed assets, they should seriously consider declaring bankruptcy and letting the banks eat the loss. If it's a more complicated situation, it's probably a good idea to speak with a lawyer who specialized in bankruptcy.

Regardless, it sounds to me that your parents are in a debt trap that they cannot escape through the profits, if any, of running of the business. Again, we don't know all of the details of your situation but from what little I have seen, your parents should consider bankruptcy to clear away the debt.

>>60485168
>110k a year after taxes is definitely not a lot
You are an absolute idiot.

>>60485480
"she" looks like shes in her late 20s. Face blindness is a sign of autism. Go talk to your doctor.

>>60485101 (OP)
why is the grandma not paying for it? sounds like either your mother or your grandmother are a fucking bitch, which means you won't see a cent of that money either way

Imagine being ok with just being another rotating fuckdoll that ends up on a young man's computer screens and forgotten in a few years. Like the girls we simped 4 in the late 2010s are all walled now. Such is life

>>60486163
if someone asks you to pay a bill for them and you are actually willing to do it -- you pay the bill directly. never give a retard cash and expect them to "do the right thing"

>>60487350
Just because the grandma will pass that down via inheritance doesn't mean she has that in liquid cash. That amount he mentioned is prob in some 401k or something. Also even if the grandma does have it, doesn't mean she has to pay it either.

>>60485218
If his parents are that bad with money, odds are there will be no inheritance left for him.

>>60487481
so OP will pay, his mother will inherit, she will spend both OP's and grandma's money, and OP will get nothing?

>>60485101 (OP)
>mom with her credit card debt still at 60k
>grandma is going to leave my mom 1.5mil inheritance
Your mom is going to spend all that money before you ever see a penny.
Stop giving your family money, they're using you. Don't tell your family how much money you have or your financial plans, it's not their business.
>My gf is furious and threatening to leave if I pay my mom
Huge green flag in a partner. It's rare to find people who are financially savvy.

>>60485101 (OP)
If not a larp, your GF has proven to be a complete fucking whore and un-reliable in the face of turmoil.
Should you or your future children encounter any real life-threatening struggle, she has just shown you what a terrible cunt she is and how she would react.
She's done you a service showing her nature. If you don't leave her after this, within 1-2 decades time you will look back at what a retarded comfortable little faggot you were and the signs she was a monster were all there (You) just didn't want them to be true.

>>60485101 (OP)
didn't read.
kneepads.

>>60485151
I make 110k a year. My takehome is half, and I live in a HCOL shithole.

This country is a scam. Dont believe the fake numbers.

>>60486163
I read your pathetic story, heres the problem.

Your family is good at making money.
Your family is also good at spending money.

They recently lost their ability to make money.
They did not lose their ability to spend money.

Until belts tighten this is a black hole you cant fill.

>>60485101 (OP)
1. don't give money to family debts
2. your GF is right
3. don't give money to family
I've been down that road and it ends badly.
I know it seems mean, but you can't do it.

>>60488919
nah, that girl is responding like a smart girl
she wants a future with him and a house is a big part of that
dumping money into unreliable family members is a surefire way to crash and burn

>>60488949
>waaah I want muh own house instead of taking care of family as has been since the beginning of fucking time
she's a whore
unfortunate you have the mind of a woman
wouldn't wish that upon my worst enemy

>>60485101 (OP)
>This sounds bad but my grandma is going to leave my mom 1.5mil inheritance when she dies
then your mom will waste it on cruises like the debt addicted boomer retard she is
>So should I pay my mom and somehow get on the will?
you wont get on the will if you dont pay her debt? what?

what kind of bullshit retard story is that
normies and their retard normie stories i swear

>>60488949
>don't give money to family
I've paid for my family to relocate to seek higher paying labor and it's doubled their income every time they've moved. I also know that they want to pay the money back but it'll take time.

They won't have the money ready when I want it. By the time they can pay it back, I won't need it. I'll probably tell them to use the money to buy my baby sister a new car of my choosing, as well as the requisite investments into her future, of my choosing.

>>60485101 (OP)
credit card debt isnt real debt. Dont pay it retard

https://esotericawakening.com/spiritual-economics-clobber-bureaucrats

I just gave you one of the greatest gifts anyone in this life will ever give you. You're welcome

>>60485101 (OP)
>credit card debt
Just don't pay it. What will the debtors do to your mom? Do they have a house they can take? If you pay her debt she will probably acrue more debt and end up at the starting point. I understand that it is your father and mother but you can't just pay their debts perpetually.
I guess there is more history to your father/mother debt that you let us know but this is the best advice I can give you. Don't become a debt slave for your parents. You will be able to help them much more if you become financially stable yourself rather than pay their debts so they can splurge again.
>gf is mad beause you won't be able to afford a house
She is right but it feels wrong the way she is manipulating you before marrying you. How long have you been dating her and if it's been years why haven't you married her? She obviously looks up to you and your future.
If you've been dating for less than a year this is a very bad red flag btw. Don't let a woman you barely know manipulate you like that.

>>60485101 (OP)
>gf is furious and threatening to leave if I pay my mom because then we won't be able to afford a house.
you are betabux, I'm sorry.
tell her to shut the fuck up and do what you see fit. if you want to provide financial aid to the woman that birthed you then do it. especially if you can negotiate repayment

>>60485101 (OP)
>two cars
oh, it's so over..

>>60485480
is this a bot? I see these exact same posts like this whenever the OP posts an attractive young adult women. How is 18-20 too young? Who is paying for this bot and what is their end game?

>>60492023
Is there even a difference between bots and NPCs? One merely is made of flesh.

>>60485101 (OP)
Track down your father and cut his ear off for running from his problems like a coward, this should get you a third of the money and a cool ear to show your girlfriend so she knows not to get involved. Weigh the cost of bankruptcy for your mother vs giving 60k, that's a retarded level of debt, if my parents did this I would beat them. Debt default or hyperinflation will be here before you know it at which point your money and her debt will lose all meaning. In a macro sense the old need to stop parasiting off of the young.

>>60492133
You sure about that?

Post your hands please.

>>60485101 (OP)
how many link tokens for an arab whore like this bros?

>>60485101 (OP)
>>>/adv/
also, talk to a lawyer, not to this retarded board

>>60486163
>So my mom and dad were in a business together and the business got fucked during COVID so they were using personal money and some of my and my siblings money to keep it afloat
IMO, as >>60487258 says, you are feeding a bad business. stop doing that.
also, stop caring about your boomer parents. let them face the consequences of their actions.