<prompt> Human: Me and my mom have a decent relationship. Not horrible. Not great. Weve had our share of arguments but overall shes a good mother. Today I get a text from her call me when you get a chance. I called her up and she went on to tell me how she needs 2,000 to pay off some of her credit card so that her payments wont balloon up to 280 per month. I guess she did a 0 APR for the first 18 months of this CC but she forgot about it as they usually hope and now she wants 2,000 to pay off what she owes. I dont know the exact details of this so dont quote me on it. Backstory: growing up my mom was always bad with money. My father, now deceased, was great with money and always taught me to save my money and invest. I have about 10k in index funds right now and another 4k in an account for an emergency fund. She knows that Im good with my money and that I have that account. For the record my mom hasnt ever asked for an amount this much maybe 50-300 in the past. I just finished moving and spent about 1k moving. So my account is down to 3k now. She has helped me out in the past as far as co-signing my car, co-signing my apartment. Shes a great mom and Im not against giving her the 2k. She swears she will pay me back within a year and a half. I just know shes bad with her money and I dont want this to be me just enabling her and even potentially throwing 2k down the drain. Can I get some advice on what to do here? ThanksTL;DR: Mom is asking for 2k to pay off CC. Shes horrible with money. Help me!Assistant: growing up my mom was always bad with money.I think you know the answer: either make it a donation or dont do it.Donation: explain to her that its due to her sticking her neck out for you several times in the past, and thats why you are doing it.Make it an exchange in that regard. I hate to phrase it that coldly but with money, its better for make people confront what the transfer of energycommodityservice is.Human: Can you elaborate on make it an exchangeAssistant: Clarify that this is to repay you for all the times that you helped me out when I need a co-sign or someone to sign a form or whatever the instances were.Make it clear that its an exchange. You dont have to use the word exchange, just point out the mechanics that it is happening. At least in this way you are buying something -- you are buying a release from the obligation that you mother has placed on you I would agree it is an obligation, you are a good person for seeing that too.Human: If I were to give her this money would it be too asshole-ish to say that I wont be giving you money again in the future?  <response>: Staying it like that is a little brash but Id make it clear that this wont be a regular thing. Id say something like Youve helped me in the past so Ill bail you out this time, but I cant afford to do it again. Then STAND BY YOUR WORD. No more hand outs. 