<prompt> Human: Hi,I recently landed my first proper job and Im paid enough that I can save roughly 600 per month. I have 6000 in student loans at roughly 10 APR.My plan was to pay off my loans over the next 11 months and then start saving money for investing with a vanguard index fund. That is, until I saw my mothers finances a couple of days ago.She has: 10k debt in a card at 10 10k debt with a credit union at 4 18k debt with a bank at 7She is renting, has a car worth roughly 1100 euro and makes 2500 per month. Currently shes only paying off 260 per month on the loans. I havent done the math properly, but I feel its going to take her somewhere around 15 years to pay off her loans at this rate? Shes getting somewhat frail and will really need to retire within 5 or 6 years. Shell get a pension after that at around 1600 per month, along with a lump sum of roughly 25,000.Shes 55 years old and has had a very rough life. Her husband passed away when her child me was 4 years old and shes gotten me from a potentially dangerous country to somewhere safe where I could get educated and become someone. The only downside is that she outright refuses to let me budget for her. Her hard life has made her very self conscious that our money problems were her fault alone, not circumstance, so if I even suggest cutting back on something she completely loses it. Getting her to pay much more than 260 per month on her own is not a realistic prospect. She wants to just pay the loans off with her lump sum, but that lump sum should be used for some real enjoyment for the first time in decades for her, not just paying off debts she has from raising me.I know this is becoming part rrelationships at this stage, but Im not really sure what I should do. Once I pay offf my student loan, should I start putting all 600 euro towards her loans in order to give her some kind of life down the line? Im 21 years old, so if I didnt start saving for my retirement until 26 or 27 it wouldnt be a massive issue. Any advice is greatly appreciated. Thanks pf.Assistant: Youre correct that you should focus on paying down your debt.I think its reasonable for her to use the lump sum to pay down her debt.She seems fiercely independent, so let her continue to make her own budgeting choices. Shes not cutting back or budgeting, so you dont have a responsibility to bail her out. Let her make her choices, and be there for her with financial help once she has retired and is living on a fixed income.Reassess once your student debt is paid for, but I think you should start saving for your own retirement. Being financially stable is the only way you can gift her thingsexperiences that will give her enjoyment.Your post suggested that youre immigrants. My suggestion is to use that to your advantage by looking into cultural specific norms so shell accept help from her son.Human: Perhaps youre right. It might be be a better choice to let her manage her finances herself.Do you think it would be a bad idea to push 13rd of my monthly savings towards the debt? 7 APR on 38k is nearly as much as she pays in a year towards the debt. If I doubled her payments to 500month shed at least start making a dent, perhaps even get excited about paying them off as she sees them starting to go down.Most my my questions probably have simple answers that I would usually know straight away, but its strange how much your judgement gets clouded by being close to the situtation.  <response>: I dont think you should push your monthly savings toward her debt until your loans are fully paid off.After that, however, your plan of pushing 250 a month toward the debt makes sense. 