Ok so the short story is me dh and 2 dc live in a HA house that has turned out to be a nightmare due to living next door to complete nightmares for neighbours. We have experienced ASB at it’s finest but the HA aren’t interested in helping. So we saved up a small deposit to buy a house and we found one, paid to have a survey done, got approved for a mortgage we could (just) about afford and all was looking good but sadly due to complications on the sellers end and personal issues due to a divorce we are 9 months down the line and things haven’t progressed. We can’t walk away as we realistically cannot afford anything else. We viewed a couple other properties in our price range but they needed tons of money spending on them money we just don’t have. So this is where the AIBU comes into it.
Our ds age 23 who still lives with us invested in stocks/shares/crypto a few years ago and is doing very well for himself. I think the last time her brought up the subject they have (before they pay their tax bill in January) around £4M. He’s doing amazing and considering ds is very shy, hated uni, and isn’t a people person as such they have found their niche what their good at and plan on investing eg buying property. I honestly couldn’t be prouder of him.
So because of how well he is doing I’ve hard various friends and family members including my parents dsis and db ask me why I don’t just ask my ds to buy us a house and we pay him back like we would a mortgage. I was like no just no! I mean that money is for his future and why should he pay (literally) for our bad and stupid life choices eg renting all our lives and not getting on the ladder when houses were cheaper. It’s not his responsibility after all to look after us in such a way. Yet my friends and family think em and dh are ridiculous for not at least asking ds. Your thoughts?