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Old 10-01-2014, 03:34 PM   #41
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I'm 54 and looking to ER early next year. I've been planning and getting my financial ducks in a row trying to do everything I can to maximize my resources. Everything is looking like a go and then I got the phone call. My sister was so upset because her rent was just increased and she "doesn't know what she is going to do". I told her several months ago that I was going to retire because my job is taking a toll on my heath and I can't physically handle the work any more. Now comes the guilt because she truly does need help but... I've always been a saver and lived well below my means. Worked my tail off 60 hours a week for 29 years. She has never worked a conventional job because "she doesn't want to take s*** from employers" and want to live a more "spiritual" life. Now she said she can't do any more of the work she does do because she is getting to old( I can relate). I've had many discussions with her over the years about her need to get a job "on the books" so she has SS in the future. Well low and behold she is 60 now and looking at the minimum SS benefit. So now she wants to move into my 900sf house that I have paid off as part of my retirement plan. THAT is not going to work for me. We get along when we visit but I will not live with her. Her constant comments about what I eat and her wacked out theories about this and that would drive me crazy. We are getting together this Sunday it is not going to be a pleasant conversation. She is my Sister and I want to help but I will not sacrifice my happiness in retirement I have earned because she did not plan ahead. I may be the a******* here but I'm not going to do it. But I do feel guilty about it.
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Old 10-01-2014, 03:41 PM   #42
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See this post.

No reason to feel guilty about it. You earned what you have, relatives had the same 24 hours a day that you did.
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Old 10-01-2014, 03:42 PM   #43
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I'm 54 and looking to ER early next year. I've been planning and getting my financial ducks in a row trying to do everything I can to maximize my resources. Everything is looking like a go and then I got the phone call. My sister was so upset because her rent was just increased and she "doesn't know what she is going to do". I told her several months ago that I was going to retire because my job is taking a toll on my heath and I can't physically handle the work any more. Now comes the guilt because she truly does need help but... I've always been a saver and lived well below my means. Worked my tail off 60 hours a week for 29 years. She has never worked a conventional job because "she doesn't want to take s*** from employers" and want to live a more "spiritual" life. Now she said she can't do any more of the work she does do because she is getting to old( I can relate). I've had many discussions with her over the years about her need to get a job "on the books" so she has SS in the future. Well low and behold she is 60 now and looking at the minimum SS benefit. So now she wants to move into my 900sf house that I have paid off as part of my retirement plan. THAT is not going to work for me. We get along when we visit but I will not live with her. Her constant comments about what I eat and her wacked out theories about this and that would drive me crazy. We are getting together this Sunday it is not going to be a pleasant conversation. She is my Sister and I want to help but I will not sacrifice my happiness in retirement I have earned because she did not plan ahead. I may be the a******* here but I'm not going to do it. But I do feel guilty about it.
How can I put this nicely?

Tell your sister to **** off.
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Old 10-01-2014, 03:49 PM   #44
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+1 she made her choices to not take s*** from employers and live a more "spiritual" life so she can also deal with the consequences by moving into a cheaper place or sharing a place with one of her spiritual friends. Tell her that you don't want a roommate but she should be able to afford rent with another roommate somewhere else.
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Old 10-01-2014, 03:56 PM   #45
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+1

JRWINFLA

I agree with all sentiments expressed so far. She made her choices. You don't owe her anything (but I would feel guilty too). You tried to warn her, she chose not to listen. This is not your problem to fix.
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Old 10-01-2014, 04:24 PM   #46
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She is your sister and you love her so guilt is a very normal response. But she is taking advantage of you and a bit of tough love will save your sanity. I think telling her in a tactful way that she should find someone to share the rent with will keep your relationship in a good place. Maybe tell her that you are not a good roomate or you have to live alone and need your space would give you some kind of excuse?
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Old 10-01-2014, 04:32 PM   #47
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JRWINFL

Tell you sister that your spiritual life requires that you live alone.
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Old 10-01-2014, 04:43 PM   #48
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She might be your sister, but she surely is not your friend. Step back and manage the relationship on your terms.
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Old 10-01-2014, 04:48 PM   #49
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Jrwinfla,

Sounds like you both chose your own paths. Yours worked financially, hers didn't. I bet, with 60 hour weeks for 29 years, you took some cr*p.

I understand your feelings, but you didn't 'take her to raise'. I'm one of four children, we would never ask for more than encouraging words from each other. Doesn't mean we don't love, care, and support one another but there are boundaries. A week visit great, moving in no way.

I guess your sister never saw or heard the saying from the early '80s
(Sensitive ear warning):

Life is like a s*** sandwich
The more bread you got, the less s*** you have to eat.



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Old 10-01-2014, 05:03 PM   #50
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To the OP -- I see a difference between helping out coworkers, friends, most relatives with money and possibly helping out a parent.

With regard to your DW's parents asking for money, that is one that if it were me I would want to know more information about. I would want to know why they needed the money and how it would be used. Do they have a history of bad financial decisions so this is just throwing good money after bad? Or is it just they are in difficult financial situation despite having lived responsibly with money? If the latter, then I might be willing to provide some help if I could do so without endangering my own financial well being.
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Old 10-01-2014, 05:40 PM   #51
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Quote:
Originally Posted by jrwinfla View Post
I'm 54 and looking to ER early next year. I've been planning and getting my financial ducks in a row trying to do everything I can to maximize my resources. Everything is looking like a go and then I got the phone call. My sister was so upset because her rent was just increased and she "doesn't know what she is going to do". I told her several months ago that I was going to retire because my job is taking a toll on my heath and I can't physically handle the work any more. Now comes the guilt because she truly does need help but... I've always been a saver and lived well below my means. Worked my tail off 60 hours a week for 29 years. She has never worked a conventional job because "she doesn't want to take s*** from employers" and want to live a more "spiritual" life. Now she said she can't do any more of the work she does do because she is getting to old( I can relate). I've had many discussions with her over the years about her need to get a job "on the books" so she has SS in the future. Well low and behold she is 60 now and looking at the minimum SS benefit. So now she wants to move into my 900sf house that I have paid off as part of my retirement plan. THAT is not going to work for me. We get along when we visit but I will not live with her. Her constant comments about what I eat and her wacked out theories about this and that would drive me crazy. We are getting together this Sunday it is not going to be a pleasant conversation. She is my Sister and I want to help but I will not sacrifice my happiness in retirement I have earned because she did not plan ahead. I may be the a******* here but I'm not going to do it. But I do feel guilty about it.
Tell her you will help her move her stuff when she finds a cheaper place.
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Old 10-01-2014, 05:49 PM   #52
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You are not an a***** and it's not your fault.

It sounds like you sister is a certified "Crazy Maker". These are people who do the wrong things, refuse to make necessary sacrifices and then, when they have problems and suffer, it's your fault for not helping them.

FWIW, she is in a moment of panic. Perhaps she will find an alternative. It sounds like she is good at alternative life styles. I would not let her move in. Getting her out would be a real problem. If you feel like helping offer to pay the rent increase for a few months while she finds a cheaper place to live.
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Old 10-01-2014, 06:13 PM   #53
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Once a long time ago, my sister asked me if she should pay off our dad's credit card debt because it would be a kind act of "helping the less fortunate."

Some of that debt was incurred because he couldn't resist the "bargain table" at Home Depot - in some instances for items he did not need, or that were duplicates of tools he already owned.

I asked her: "How do you know that would really be the best way to help him? What if it would be more helpful in the long run to let him grapple with the consequences, pay it himself, and learn to live within his means?"

She thought about it and decided not to pay off his debt.

He worked on paying off his credit card debt, we cheered him on - and I don't think he ever went into credit card debt again....

YMMV.

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Old 10-01-2014, 06:56 PM   #54
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I think a lot of people heard about Luke 15:11-32 as kids and thought it was a pretty sweet deal.
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Old 10-01-2014, 07:14 PM   #55
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Help her as much as you can, without sacrificing your own happiness to compensate for her poor choices. If you can do that, you can feel good about your choices.


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Old 10-01-2014, 07:25 PM   #56
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I'm one of four children, we would never ask for more than encouraging words from each other. Doesn't mean we don't love, care, and support one another but there are boundaries. A week visit great, moving in no way.
+1

I'm one of three, and my brothers and I would never ask for more than that from one another, either. We love and care about each other, and we also respect each other's intelligence and ability to handle life's problems as they arise. I think that if asked for advice, you should very carefully and with infinite tact suggest that she get a roommate (and refuse to address any "yes but" responses). Enough said.
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Old 10-01-2014, 08:02 PM   #57
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She is your sister and you love her so guilt is a very normal response. But she is taking advantage of you and a bit of tough love will save your sanity. I think telling her in a tactful way that she should find someone to share the rent with will keep your relationship in a good place. Maybe tell her that you are not a good roomate or you have to live alone and need your space would give you some kind of excuse?

I might be even more direct. "I love you sis, and I'll always be your brother. If you like, I can try to help by looking at your budget and making some suggestions. But the reality is that I will not be inviting you to live with me and I can't support you financially. All I can offer you right now is some advice."

If she gets pushy, you can go to:

"I've saved very carefully for my retirement, and I don't have money to cover anyone else. Also, I don't want a roommate, period. It's not going to happen."

In my experience, people who lay on the guilt don't respond well to subtlety.

Of course you're welcome to offer as much support as you'd like. But this is how I'd phrase my "no" if no is the answer.

good luck!
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Old 10-01-2014, 08:02 PM   #58
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I think a lot of people heard about Luke 15:11-32 as kids and thought it was a pretty sweet deal.
I'm guessing most people here relate more to the older son.
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Old 10-01-2014, 08:43 PM   #59
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I We are getting together this Sunday it is not going to be a pleasant conversation. She is my Sister and I want to help but I will not sacrifice my happiness in retirement I have earned because she did not plan ahead. .
Your situation is not uncommon.

I try to never give advice, but to share what I feel and may have experienced.

The last situation was with a loved one, who had no savings, and because of physical problems, was unable to work. We met together several times, to explore the possibilities. There are state and federal programs for those who cannot provide for themselves... too many to list here. We, together, located two excellent support agencies... one for housing, and the second for medical, plus food stamps.
Most states have special agencies devoted to those who have monetary problems. Free cell phones, tax services, pharmaceuticals, local transportation free services and counseling services.
Locally, low cost housing subsidies and apartment locators, food kitchens, emergency counselling.

In this case, not a hand out (from me), but a hand up... to self help. three or four hours of helping and counselling meant more than money, and is a beginning of self confidence..

The answer is NOT government services, but an entry into self sufficiency, and away from dependency.

To put a final note on the situation mentioned above. It was a kick start into what turned out to be independent living. A rebuilding of ego, and the sense of self worth led to a new outlook on life. With some short term help, in the organization of a budget and longer term plan for later years, this person is now working in a position suitable for the disabilities and will be independent over the long haul.

So... not money, but help... a leg up.
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Old 10-02-2014, 10:45 AM   #60
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I can understand feeling guilty, it's hard to say no to someone you love. But this is your life we're talking about. You've worked hard and shouldn't allow anyone to ruin the future you've established for yourself. Do you want to spend every day of your well earned retirement resentful and unhappy?

My parents have never asked me for anything, but if they did, I'd certainly help them as much as I could even if that meant working longer or making do with less. But that is because they've always been financially responsible. They lived below their means, and sacrificed fancy trips or buying a house to help my siblings and me pay for school. I graduated without debt because of their sacrifices, and they have helped all of us along the way lots of times. If they needed anything, it wouldn't be because they were irresponsible, and I'd be thankful for the chance to repay the sacrifices they made for me. But I would likely feel different if they needed money because they were spending foolishly and weren't willing to make changes that were required. In that case, funding the expenses might just be enabling destructive behavior.
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