意味を教えてください
Q. Making a financial plan with and for mom: My mother is a freelancer whose flow of work has dropped precipitously, from steady as recently as five years ago, to practically nil in 2017. She inherited some money and that floated her for a little while, but now she’s putting things on credit cards. Help!
She has already declared bankruptcy twice. She is kind of at the end of her rope, as drained emotionally as she is financially. She lives in an expensive part of the country. I have encouraged her to move to my city, which is considerably less expensive. She is considering it, but reluctant.
How do we start to make an actual plan? I’m not rich but I’m steadier than she is right now, financially speaking. I don’t want to wait until things get any worse, and she gets into even more debt. Any advice is appreciated!
A: There are certainly ways you can be helpful to your mother, but the responsibility for making “an actual plan” lies with her, not with you. You can’t want financial stability for her more than she does. She’s already declared bankruptcy twice, which is obviously far from ideal, but also suggests that she knows what to do when her financial outlook is especially bleak.
Encourage her to see a financial adviser, to reduce costs wherever possible (including moving to a less expensive city, although not necessarily yours), to seek more stable work, and to look into social services her age may soon qualify her for.
Consider now (rather than when she faces an emergency) how much money, if any, you are willing to give her to help meet her expenses, and whether your own budget will survive if she never pays you back, especially since it seems unlikely that she ever could. Everyone has different values when it comes to giving family members money, so I’m not going to tell you that you absolutely should or shouldn’t. But it’s better to have a plan in mind before things get dire.
The important thing to remember is that your mother is an adult with resources that extend beyond you.
an adult with resources that extend beyond youの意味を教えてください。よろしくお願いします
