Having to plan not only my financial future but my parents..
By - IndexBot
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You don’t have to do anything you don’t want to. I empathize with anyone suffering from addiction and certainly hope they’re doing better, but you’re under no obligation to wreck your financial future to prop them up. It sounds like they have food, shelter, and at least subsistence-level income.
Anyway, no, this is not wise financially. Whether you feel it’s something you have to do personally is a different story.
Thank you. I just feel indebted to them because they raised me and made sure I had what I needed growing up. And it sucks I couldn’t help them save the house, it weighs on me so heavily. I was a college student and living paycheck to paycheck. Just sucks. So I feel like I need to start saving now to help them financially. I contribute to 401k (15% of my paycheck per month) and after all my bills and mortgage I have $1500 left over. I also feel as they get older they won’t be able to support themselves
Totally understandable that you’d feel that way. Good to know that you’re investing heavily in your 401k — if you can do it without compromising your own future that’s a different story.
If you do help, it’s probably a good idea to pay bills for them/buy them things directly rather than just giving them cash. Given that there’s a history of using money destructively, you want to ensure it’s not all for nothing.
without knowing your full financial picture we don't know.