I want to emphasize I am not perfect, I never claimed to be, and I know I never will be.
However, I find the older I get and the more I learn about my family, the more disconnected I feel from them. This is especially true of my father. It amazes me how I had the best relationship with him as a kid, but as an adult, it’s the polar opposite. I suppose that’s the curse of losing one’s innocence.
The biggest barrier is my attempts to learn financial responsibility. It really astounds me no one – absolutely no one – in my (immediate) family has any clue about finances, and at this point, it’s now a case of being unable to teach an old dog new tricks. My biggest mistakes – attending college when I wasn’t ready and financing my first car with a co-signer – came out of pressure, but the upside is those mistakes made it abundantly clear my family, no matter how much I love them, are not the people to go to for life advice. Regarding cars particularly, knowing about them does not correlate with having any financial sense.
For the record, I am aware financing a car can be a good decision. However, my father makes barely more money than me (I bring in roughly $2K a month), but his car payment plus insurance nearly equals my household’s rent. And in all the years he had to save money with his late girlfriend paying most of their household expenses (including rent), he never did. Simultaneously, my dad complains constantly he hates living with his dad. Find the problem.
I taught myself planning, budgeting, and saving, and as of late, I’m learning about investing, which a good friend got me started on. Am I perfect? Absolutely not. But I reached the point I’m able to plan out a month’s worth of expenses, and move them around as needed. Though I have a bad habit of frivolous spending I’m trying to kick, I stick to my budget, including savings, and I don’t sacrifice bills for pleasure. The bit of money I spend frivolously is the remainder after all my week’s expenses are paid.
It’s indeed strange to be berated for trying to be responsible, and I feel the more I try to pull myself together and recover from my mistakes, the more distant I grow from my family. It’s truly not something I like, but have no clue how to fix. How do you re-connect with people you can’t talk to, you can’t look up to, you can’t trust with advice? I don’t mean my personal goals. I can’t talk to them about the future, about finance, about feelings, about anything. How do I re-connect without feeling like I’m making myself small?
If you know, please teach me.