I’d really like some advice. I’m not a regular on here, but someone suggested I post as they didn’t know what to say or how to help.
I’m really worried about my friend. She’s in her early 50s and lives with her daughter, who’s in her late 20s. Their relationship has always been quite unusual, they’re extremely close, almost too close really. Like totally enmeshed - but toxic at the same time. They do everything together, and her daughter’s never had proper friendships or a boyfriend because my friend gets too involved in her life (I’ve mentioned it over the years, but she just can’t seem to step back) but they also fight like cat & dog too and are in each others way.
Neither of them has ever worked or trained in anything. They live in a house that’s paid off from my friend’s divorce a few years ago, and she also got quite a large settlement, I’m not sure how much exactly, but it think in the hundreds of thousands (including detail for context of the issue).
The problem is, the money's ran out and her daughter refuses to work or contribute at all. Over the past year, I’ve really noticed my friend’s mental health getting worse as her money’s running out. I’ve tried to give advice, but I can be too black and white, and she sometimes takes that as being too harsh, so she tends to ignore me or blank me for a wile after.
Her daughter often lies to get out of things, and the latest is that she’s decided she’s autistic. I want to be really clear that I’m not dismissing genuine autism, but she’s self-diagnosed based on things she’s read online and seems to exaggerate a lot of it to avoid responsibility. And many people around know it's ridiculous as it goes against what everyone knows of her. Its as though she's pulled up a list of traits that severly autistic people exhibit and she's pushing that she has them all. If anyone questions it, she just says she’s always been “masking.” I don't really understand what that means but even if she is on the spectrum, I'm sure people on the spectrum can work too. I've nearly been in heated arguments with the daughter before because of how this is impacting my friend.
Anyway, my friend’s now completely at a loss. The money’s almost gone, neither of them works, and they could end up losing their home. I honestly don’t know what to tell her anymore.
Can they apply for any benefits if they own their home outright? And has anyone been through anything similar with an adult child refusing to step up or take any responsibility? I don't know about taking out mortgages and if she can take money out of the property. But that still won't solve her problem with her daughter and the same dilemma will come back around again. Sorry for rambling but I don't know how to advice and I can see she's in a really bad place.