<prompt> Human: Seems like these issues turn into points of contention even if it starts with good intentionsIs there a hard line to keep?Would you rather just go homeless than bum a few hundred for rent?I keep getting into fights about my parents finances because they insisted on keeping me under their umbrella for years and now I have the lasting effects.One small example of many: They added me as an authorized user to credit cards years ago and then neglected payments, and general bad practices. in recent years. We never fought over paying the bills or how much money was spent, that was water under the bridge.Dropped my credit score and I had to spend lots of time researching how to fix it. They had good intentions but caused me more grief and wasted time in the end.I hate the idea of using money as control. They have owed and will owe more in the next 3-5 years me money for investments they took out in my name capital gains, account fees. They are happy to pay me back but it took them 2 years of pestering to finally cut me a check for the last incident and I may have to claim the investments for several years to come. Ive been fully supporting myself for 4 years with a full time job, benefits, etc. but I still dont feel like an adult since I have to butter them up to discuss these financial issues. This really ruins our relationship and we cant enjoy each other as people.  <response>: First draw the line at identity theft. Why did they take out investments in your name? DO NOT lend ANYONE money to invest and NEVER borrow to invest either. 