Basically one parent of mine has decided to leave the other. Yes the aren’t the easiest of people to live with but have many good qualities too. Person wanting to leave can’t cook, and not very responsible with money and basically wouldn’t have any clue how to run a house despite both working full time.
Person wanting to leave asked asked me to transfer a decent amount of money to them to allow them to do this and here’s the problem. Whilst it’s a big amount of money they want it’s not a lot of what I have but they would have to pay me back in instalments. My money is invested in various savings so would loose a significant part of this and interest. To make this viable I’d have a written contract and add x amount on to what they owe me to compensate for this. I haven’t done the maths yet but hopefully they’d be able to have payed me back by the time I graduate as this money is for me to buy my own house.
The next issue is, if the other parent found out I had helped out it could cause many issues. If they did divorce then equally this person could be write me out of the will meaning my sibling would receive all of their inheritance and half of other parents too meaning I’d suffer financially there. Also means I don’t know where I’d live during holidays as if one parent didn’t speak to me then there would be problems as the one leaving is looking at room shares etc and divorces aren’t always quick so wouldn’t be able to buy a house without the current being sold or bought out. Which is a problem as would want a decent house to rent at Uni if we’re to live the all the time as don’t want to live full time with future in-laws as would be on my own with them bar my partners breaks from army training. Without the money I have in my account it would be tough as student finance for me is pretty low.
The thing is I’ve lent my parents a lot of money in the past as an Naive 18/19 yr old so didn’t have any written contracts. I know they’ll pay be back, but it would be a case of more money I’m waiting on and not investing now.
My question I guess is would you help put the parent now so they can be happy and hope everything goes smoothly? I know I need to speak to them both, but trying to organise it with the crazy hours they work is near impossible and one is acting very immature and childish with their mindset and the other is in denial about their sometimes questionable behaviour, and there is a lot of other stuff going on in my life so the least stressful way to deal with this would help.