I feel quite conflicted about this because I love my sister. I don't want this to become one of those "I'm successful and my sister is a mess" posts, because that's not how I see her at all.
We're only 18 months apart and grew up in Gloucestershire in a very comfortable family. We went to good schools and universities, and our parents/grandparents supported us financially after university while we travelled. We were both extremely lucky. We both spent 2-3 years after university just travelling around the world, no jobs or anything, it was just covered by our family.
My sister was always the academic one. She was very bright, went to a more prestigious university and was much more driven than me. I was fairly average academically and went to Durham in the mid-2000s to study theology, largely because I wanted the university experience, social life and lacrosse. I came out with a 2:1, everyone was happy and I went travelling afterwards.We've never really competed with each other. In fact she's always been someone I've looked up to in certain ways and we've always had a close relationship.
Our lives have just turned out very differently.
I came back from travelling, got a job and gradually worked. I'm now in a reasonably senior role, DH has a good job and we're financially comfortable. We have two DC and we don't have to think particularly hard about whether we can afford everyday things. My sister has had a much harder time. She's been divorced twice and has recently had another relationship breakdown. She works, but isn't particularly well paid, hasn't bought a house and doesn't have much savings.Her children have also decided to live with their father full time. She still sees them but not nearly as much as she would like and I know that has absolutely devastated her.So I don't lack sympathy for her. I really don't. I know she's had a lot of things go wrong and I know that some of what she's dealing with isn't simply a case of "make better choices".The problem is that over the last few years I've gradually become the person who sorts out the money side of things.
It started with £500 here, £1,000 there. Then it became more frequent and larger amounts. In the last year I've lent her just under £20,000.I've never really chased her for repayment because, honestly I don't desperately need it back. I can afford to help her.She's now asked me for another £5,000.And I don't want to give it to her.That sounds horrible when I write it down because I can afford it. If I gave her £5k tomorrow my children wouldn't go without anything and our life wouldn't change.But I think something has changed.I'm no longer thinking, "My sister needs help and I can help her."I'm thinking, "Oh God, I'm being asked for money again."And I don't like that feeling.I don't want to start resenting her.
I've tried to help in ways other than just giving her money. I've suggested counselling because she's been through two divorces, another relationship breakdown and losing day to day contact with her children and I think she could probably do with some proper support.My parents have also offered her their bungalow near where we grew up. It's currently empty, so she could move there and dramatically reduce her living costs while she works things out.
She's said no.And I completely understand that it's her decision. I don't think she should have to live somewhere she doesn't want to live just because it's financially sensible.But I also think this is where my feelings become complicated.Because I can respect her right to make those choices while also deciding that I don't want to financially absorb the consequences of them.
And I don't know if that's selfish.Part of me thinks: I'm lucky, I have more than enough, she's my sister, why wouldn't I help her?If I had a sister who was genuinely struggling, surely I'd want to make her life a little easier.
But another part of me thinks that I'm starting to feel responsible for keeping her life afloat, and I don't want that responsibility.I don't want to become her emergency fund.I don't want to be checking what she's spent money on, questioning whether something was necessary, or getting irritated when she tells me she's struggling again. I don't want money to become this constant undercurrent in our relationship.And perhaps most importantly I don't want to get to the point where I secretly resent her while continuing to tell her yes because I feel guilty.That feels like it would be much worse for our relationship in the long run.
Growing up, she was the clever one. She was the person who was expected to achieve more academically and professionally. I was the less serious one who was better at sport and socialising and all I cared about back then was boys.
Now I'm the one with the money and she's the one asking me for it.
I don't think she is jealous of me. I don't think I'm better than her. But I do wonder whether there is something painful for both of us about that reversal and I don't want money to become part of how we see each other.
I also don't want to punish her for having a difficult life. That's what makes saying no so difficult.
I'm not thinking, "She made her bed, let her lie in it." I don't actually believe that. People get divorced. Relationships fail. People struggle financially. Children make choices that hurt their parents. Life can go badly even when you're a perfectly decent person. But I also think there has to be a point where helping someone stops being something you freely choose to do and starts becoming an expectation. My parents stopped lending her money some time ago. My brothers won't give her money either. So, increasingly, I'm the person she comes to because she knows I'll probably say yes. And I think I want to change that. Not because I don't love her. Actually probably because I do.
I want to be able to have a relationship with my sister where we talk, laugh, see each other and support each other without me constantly wondering when the next financial request is coming.
I'm considering telling her that I won't lend her any more money. I'm happy to help her think through options, help with practical things, listen to her and obviously be there for her emotionally. But I don't want to transfer another £5k.
I feel guilty even writing that because I know I have the means to help her.
Is this a reasonable boundary to put in place with someone I love, or if you have the means to make your sibling's life materially easier, do you have some sort of moral responsibility to do so? And if you've ever had to stop financially helping a close family member, how do you do it without making them feel that you're abandoning them?