<prompt> Human: Background: Im a first generation american with both of my parents as South American immigrants. My father now lives back in South America and is NOT financially stable, but can feed himself for now. Mother lives in the states with blue collar long-term boyfriend. Mom raised in a family of 6 where FAMILY COMES FIRST, no matter what. Shes quick to hustle to make her money but most of her research for ventures comes via first hand accounts and advice. From what Ive seen- she bought my old car off of me for really cheap and said she would fix it up with her boyfriend and sell it for more- its been a lawn decoration for 3 years now. She owned a house jointly with my father before they split up, and had declared bankruptcy on it to clear herself of leftover marriage debt and had the house foreclosed on. She now lives rent-free with her boyfriend- whos paid off his small house but helps my younger brother pay rent at his. ---Moms boyfriend owns a home that they both live in. My mother has wanted to buy a house for a while and recently purchased a semi-historic property to live in, which is great. It needs some work, but I think she will be happy there. Less than a few weeks later, she was informed of a condo sale in a fairly popular retirement location a few hours away, and is going through the process to purchase that as well. My mom is not wealthy, and makes under 45K a year. Her plan with this property is to upgrade it, and flip it. She originally asked me to lend her 5k to help upgrade the condo, and I let her know that I was uncomfortable with the idea, especially considering she has never flipped a home. She protested, said she would never not pay me back, that Im your mother I would never do that to you and there is no risk. Eventually I said look before you buy the home speak to me, I do NOT want to be your source of this borrowed money, but if you have no other options we can talk and I will consider it.A few days later she tells me that shes in the process of putting in her offer and that its pending. Sunday she called saying so I can count on you for that 5 k right? Im going to need it Monday or Tuesday.... Thing is, she didnt talk to me again before purchasing it. Now, I ask her oh so the house sale went through?. Turns out, it didnt yet- she wants THIS 5 k to take the house shes currently living in, fix it up, and add a bedroom so she can rent it out to more people while moving into the new location. This isnt what she told me the money was originally going to- so I figure she will still need that 5k for the condo in the future. She presented this as an opportunity where when she fixes and flips the condo in 6 months no less - she would give me 1000 of the profit as a return. Personally, I dont think 1000 in 6 months is good enough considering the risk. Considering she will be contracting out the upgrades, I dont trust that she will make that much money, or that she knows what will raise a property value either.About me: Ive got a decent job that I hope is stable, and was looking to save 10-15k in order to change career paths into something I will enjoy more, I want that money to keep me afloat and help me through the likely rough patches of learning a new industry, and starting from the bottom. I wanted to do that by the end of this summer and not stay at my current job much longer than that. Furthermore, I am considering buying foreign property myself with a few friends, as an investment for something that we want to begin perma-culture work share space BnB Air BnB type idea. Last detail, Im looking to move in late June, and the property we want might only allow a roommate situation if we can pay 30 of the yearly rent up front most of which I would need to pay myself. Ive a bit over 10k saved right now, and feel that I will need my funds soon if I want mobility in my life. My mom sent me a picture of her deposit slip over FACEBOOK MSSNGER today. Granted its a deposit slip, but still- when I said that was not a secure thing to do her response was no one will steal my money. I am a recent grad and feel that if I say no, she will feel like Ive betrayed her because of both our culture and our upbringing, be ashamed that I am not willing to help her when she would help me, and that it will cause damage to our relationship because she expects me to trust her.Even if all of her investments ARE a flop, I do think she would eventually find a way to get me back the 5k- but not in a timeline Im comfortable with. I love my mom, and I want NOTHING more than to support my parents, but I feel that she does not approach these things in either a prudent or considerate manner. In fact, it feels a bit like she takes advantage. : If I were to come from a selfish perspective, If I want to invest in properties in the future, Id like her to be an option in helping me out with ventures. Though, I think Id go about the investments as well as the requests in a much more considerate and informed way. I dont know how to say no to her, I dont want to risk our relationship. But I cant help but feel like this is a bad idea. To make matters worse, she knows that I simply gave my father a few grand a couple years back to hold on to for me just in case- because I knew he might really need that financial support to be okay. Shes always suspected that Im more generous towards him. Someone pleaseee give me advice! TL:DR Latina mom wants me to lend her 5K of my savings in order to flip a house. Shes juggling multiple projects, has never flipped a house, and insists that I will get 6K back once she flips the condo in 6 months. I want my savings to be liquid SOON so I can start making investments in my own life, possibly change career paths, buy property, and move. She doesnt have proven track record imo and although I told her Im not comfortable but would consider lending her the money, she sent me an image of her deposit slip today requesting I do it soon. Because were Spanish, saying no isnt as acceptable as it would be for a white family, and may be seen as betrayal. Im conflicted and think she isnt organized enough to pull this off- and I want access to my funds- but I love her and want to support her so much.UPDATEShe called me today asking about it, I started to tell her why I wasnt comfortable- she said she only needs it for 2 months until the sale goes through- and can then pay me back with a bank loan. She says that the issue is that the mortgage company watches your credit activity and if she takes out that loan now, it will throw off her debtsalary ratio and that she could lose the sale.So essentially she needs to limit credit loan activity until sale goes through but can get the loan back afterwards. Her boyfriend cant really get the loan either she says, since they have joint ownership of his home and that it is collateral for the loan, and that his credit activity might effect the sale as well...If shes going to pay me back via a loan instead of waiting for the house to flip...it DOES seem a little bit less risky. I suppose that changes things up a bit. Thoughts, reddit?  <response>: thats a hell no. You dont owe your mom or anyone 5k for whatever scheme theyre currently working on. Hispanic or not. Its setting a really dangerous precedent. She throws a fit, thats her problem. 