<prompt> Human: If this isnt the correct reddit then I apologize in advance. This is a finance and parenting question.So my question is when do you cut the kids off financially? How long do you give them without showing any abilitydesireresults to improve themselves until you cut them off and make them live on their own means?Some background - and feel free to skip reading this and just provide feedback on the questions.Im in my mid 40s and make over 100k a year with no debt other than house. I dont like my job due to stress and the health issues it gives me so my goal is to make my money and bail ASAP. My spouse makes about 85k but has a sizable amount of debt from pre-me times. So even though we have a good amount of income money is tight as all the wifes money goes to her debt, a share of our bills, and sadly our daughter. We basically live on a budget that I had when I was our daughters age due to the pre-me debt and subsidizing our daughter with the only exception that I religiously save a good amount each month for retirementemergency. Were working on the debt and its going well.We have a daughter that is in her mid 20s. Said daughter has had a variety of issues multiple bad decisions in the past and needless to say didnt do well in school -- struggled to graduate with a C average. She has tried going back to school at age 22 but honestly its not a good investment -- thats too much time out of school and she wasnt a good student anyway. After a few years of being surprised with the daughters inability to pay her bills I forced us to budget for the slack we were picking up. Im talking paying 100 of her bills for half the year when waitressing was slow. Numberwise we spend about 6000 a year in unexpected expenses for her and weve budgeted about 3600 a year for auto insurance for her -- all said we pay about 10,000 worth of her bills a year not including gifts, etc. Im not really ok with the insurance but it is what it is.Side question for people who have been servers: is it normal to just not make money for months on end? To just keep showing up for work and only making 15 bucks for a 12 hour shift? I say no but Ive never had a tips job before.We showed her some tough love a few years ago and kicked her out and she responded by cleaning up and getting a waitressing job. Shes done great for her since then. But thats the problem. She is doing good for her. Which sadly isnt all that great when compared to normal people her age who didnt screw their lives up with drugs. All shes been able to do so far is get waitressing work which isnt bad but its not really steady.Finally back to my question. So when is it appropriate to just cut her off financially? How long do we keep subsidizing her until its time to cut her off? What is a reasonable expectation? Im worried that if we dont cut her off now the amount of assistance she needs will get worse down the road. Im also worried because this responsibility interferes with financial plans that I have and to a lesser extent my wife and I have. We also have a 15 year old son and we constantly have to tell him nono on things directly because of having to subsidize his older sister. So this is causing issues pretty much weekly.Thoughts, suggestions are welcome. Im aware that somewhere I failed as a parent Im just not sure where I screwed up.  <response>: A note regarding tips I served for 5 years. They usually pay less than minimum wage hourly because they expect servers to make tips. If you dont make over minimum wage they pay out minimum wage no matter what. Buts Ive NEVER made less than minium wage serving a day in my life. I worked at both a shit diner and olive garden 