<prompt> Human: Hello redditors, I am 26f, get stable income, try to save, rent an apartment, have no debts. I remember one tim I was listening to Money girl podcast where the lady was telling people what to do with theirincome. I know you need to put 10 of every paycheck towards retirement, 10 towards the emergency plan, and then have all your expences budgeted. That is what I am trying to do. I live with my boyfriend. He doesnt have any savings too, but we are trying to move soon to another city, so that is what I am saving for my goal is to have about 15K in savings, somehow like a big emergency fund. I also think about my retirement, about saving on buying a house, I dont have any kids, so I would like to save for that too, since I am willing to have kids maybe in 4 years or so.I talked to my relatives though. My mom is 49, she doesnt work, takes care of disabled child. She has no retirement investments, lives in child support from my stepdad. Also, my older sister has 2 kids the youngest is 2 years old, so she doesnt work, her husband supports her and they have enough money for food and so, but sometimes they cant buy clothes and such. She always tells me how hard it is for them to live. They have a lot of debt... So ... long story short, I try to save as much as possible. But I am not sure, if I should help my family. My income is higher than theirs. And those are the people who need the money. So the question is.. when do you start helping relativesfamily members, what age? Who do you help and what is the percentage of your income? Do you do it by giving them money or do it some other way? clothes, electronics, expensive gifts, etc... Please advice. Tl;dr : have my own goals, but thinking if I should help my family, seeking advice to see how other people do it.  <response>: Pay yourself first. You cant help others if youre in debt. Consider offering help with the kids instead of handing out money. My parents are low-income and so when I was growing up we got a lot of help from my financially-stable aunt and gramma on my moms side. They would pick me up from school when my mom had to work late and they would take me shopping for school supplies and new clothes every year. Looking back this was probably a much bigger help to my parents than any sort of loans or handouts. Ill point out that my aunt never had kids and my gramma had steady income from the family business so this wasnt any sort of unreasonable burden for them. If youre planning to have kids eventually I recommend that you start budgeting for it now, even if that just means opening a 529 account and dropping in 100 a month. 