Son Who Couldn’t Even Learn How To Do Laundry Blames Parent After Getting Credit Card Debt At 19 (2024)

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Raising children can be difficult. After all, it’s a process that shapes a new human being. However, no two children are the same, and some can be more difficult than others.

In this Reddit post, a person tells a story of how their son, who always rebelled when being taught things, overcharged his credit card and blamed his parent for not telling him how to balance a checkbook. Scroll down to find the full story!

More info:Reddit

Some children are extremely difficult to teach things to, but sometimes, the reason for it can be more complicated than what it appears to be at first glance

Image credits: Mikhail Nilov (not the actual photo)

A person tells how their son always used to rebel when being taught things and would later always mess everything up when he did it himself

Image credits: CardMapr.nl (not the actual photo)

The guy called his parent, asking them to pay for his overcharged credit card and blaming them for not teaching him how to manage his finances

Image credits: Naive-Razzmatazz4179

Irritated, the parent refused, saying it was his mess to clean up, to which the son responded by calling them a jerk and turning to his grandparents for support

The OP begins by telling us that their son has been a nightmare to teach things to. He would leave halfway through when being taught and mess up even the most straightforward things when doing them, regardless of how many times he was shown how to. According to the author, they believe the guy was lazy, and this was his way of getting out of chores.

Skip forward to a few days ago, and the now 19-year-old is already in college. After overspending his credit card, he called the OP to tell them about the situation, blaming them for not teaching him how to balance a checkbook.

The parent disagreed, and so, angered by what they saw as their son’s incompetence, they refused to help. This started an argument, resulting in their son calling them a jerk and turning to his grandparents for help, who took their grandchild’s side.

The people in the comment section agreed that, in this instance, the OP was not a jerk. But while some were simply laughing and saying that it’s not some complicated thing that a 19-year-old couldn’t handle, others were finding his frustration and struggle to learn things concerning. They pointed out that this may very well be a sign of some underlying conditions, like ADHD and autism, which should definitely be looked at.

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Image credits: Tima Miroshnichenko (not the actual photo)

Seeing these concerns, we decided to look further into how these underlying conditions can impact a person’s learning.

According toLD Resources Foundation, Inc., up to 10% of the population suffers from learning disabilities caused by ADHD, autism, and dyslexia, which usually boils down to around 2 or 3 students in a classroom.

The article emphasizes that a learning disability shouldn’t be confused with an intellectual disability. While things like ADHD and autism are technically not either one of those things, they might make learning just as tricky. It also says that every child is different, and the problems affecting them might differ just as well, regardless of what other children with a similar condition might deal with.

Expanding further into the subject, the article tells us about the obstacles people with these conditions encounter when trying to learn. For example, for autism, a good indication can be developmental delays. They can inhibit things like speech, memory, reasoning, coordination, and capacity to perform tasks, which, to most, might appear very simple.

Diagnosing someone with a moderate learning deficit and autism can be difficult. Still, everything is possible, and help for such individuals can be crucial to make them feel like full members of society like everyone else.

When talking about ADHD, the learning itself might not be as much of a problem as the inability to concentrate or simply sit down and focus on a single task at hand because of the hyperactivity and impulsivity that comes with it.

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While it’s not considered a learning disability, these things can coexist, and having both makes it difficult to identify the second one as the symptoms tend to overlap. It’s also critical to treat both conditions simultaneously, as the problems can persist if treating only one, and it may seem like the treatment brings no benefit.

According to the article, many learning disabilities can occur together with ADHD and/or autism. The list includes dyslexia, dyscalculia, dysgraphia, non-verbal learning disabilities, dyspraxia, and executive functioning impairments.

The article concludes that, at the moment, all these conditions are impossible to cure. However, that absolutely doesn’t mean that a person who has them cannot have a happy and successful life, as we have plenty of well-known examples of people who went on to do great things despite what their diagnosis said.

Ultimately, instead of assuming what the person thinks and why they do what they do, it’s always a good call to talk to them and the experts first to find out what’s really going on. It’s all the more true when the person in question is your child whom you find hard to deal with.

No single thing can truly define who we are if we choose to. We all encounter different obstacles in life, but to overcome them, it’s crucial to know what we’re dealing with and how we should go about it.

What do you think of this story? Have you encountered similar situations in your life? Share your thoughts down below!

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Commenters pointed out that while the poster is not a jerk here, their son might have underlying conditions that impact his learning ability, and they’re wrong for not looking into them

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Son Who Couldn’t Even Learn How To Do Laundry Blames Parent After Getting Credit Card Debt At 19 (2024)

FAQs

Should I pay off my son's credit card debt? ›

Some financial advisors recommend the tough love approach and say you should let your kids struggle so they learn a valuable lesson. Others suggest that you loan your son or daughter the money to pay off their high-interest credit card debt, then they'll pay you back monthly with little or no interest.

Who is the best person to talk to about credit card debt? ›

Talk with Nonprofit Debt Counseling Company

While they negotiate with your creditors, you will need to stop paying your credit cards, which can severely damage your credit rating. Declaring bankruptcy can help people out of a big financial jam if all else fails, offering a second chance.

What is the best way to get out of credit card debt? ›

  1. Using a balance transfer credit card. ...
  2. Consolidating debt with a personal loan. ...
  3. Borrowing money from family or friends. ...
  4. Paying off high-interest debt first. ...
  5. Paying off the smallest balance first. ...
  6. Bottom line.
Apr 24, 2024

How to help an adult child with credit card debt? ›

One of the biggest ways that parents can help their adult children with debt is to support their children's own efforts to pay down their debt. For example, a grandparent could help with childcare while the parents work extra hours to pay off debt. This helps your adult children to help themselves.

Who is responsible for credit card debt when parent dies? ›

If there's no money in their estate, the debts will usually go unpaid. For survivors of deceased loved ones, including spouses, you're not responsible for their debts unless you shared legal responsibility for repaying as a co-signer, a joint account holder, or if you fall within another exception.

What are the top 5 reasons to pay off credit card debt? ›

So, as you embark on your debt repayment journey, you may want to consider the benefits that come with paying down credit card debt first.
  • Save money on interest. ...
  • Put an end to wasteful fees. ...
  • Boost your credit score. ...
  • Get a lower mortgage rate. ...
  • Learn to control your spending.

Does the government help with credit card debt? ›

Unfortunately, there is no such thing as a government-sponsored program for credit card debt relief. In fact, if you receive a solicitation that touts a government program to get you out of debt, you may want to think twice about working with that company.

How long will it take to pay off $20,000 in credit card debt? ›

It will take 47 months to pay off $20,000 with payments of $600 per month, assuming the average credit card APR of around 18%. The time it takes to repay a balance depends on how often you make payments, how big your payments are and what the interest rate charged by the lender is.

What is considered really bad credit card debt? ›

If your total balance is more than 30% of the total credit limit, you may be in too much debt. Some experts consider it best to keep credit utilization between 1% and 10%, while anything between 11% and 30% is typically considered good.

How can the elderly stop paying credit cards debts? ›

Option Two: File a Chapter 7 bankruptcy. The “upside” of proceeding in this fashion is that your Chapter 7 Trustee will not be able to reach your assets either, and the stress associated with harassing phone calls and other collection activities will stop immediately upon the filing of your bankruptcy petition.

How long will it take to pay off $30,000 in debt? ›

If you only make the minimum payment each month, it will take about 460 months, or about 38 years, to pay off that $30,000 balance.

How do I pay off my credit card debt if I am poor? ›

Look for Debt Relief
  1. Apply for a debt consolidation loan. Debt consolidation allows you to convert multiple debts, commonly several credit card balances, into a single loan. ...
  2. Use a balance transfer credit card. ...
  3. Opt for the snowball or avalanche methods. ...
  4. Participate in a debt management plan.
Feb 24, 2021

What does the average family have in credit card debt? ›

How much credit card debt the average American has (and how to pay it off) The average American household now owes $7,951 in credit card debt, according to the most recent data available from the Federal Reserve Bank of New York and the U.S. Census Bureau.

How much credit card debt does the average 50 year old have? ›

Average Credit Card Debt by Age
Age GroupMedian Credit Card DebtPercentage Who Carry Debt
35-44$2,60051%
45-54$3,20052%
55-64$3,00047%
65-74$2,90041%
2 more rows

How do I get my adult child to be financially responsible? ›

You can guide your adult children in establishing good credit by encouraging responsible credit card usage and timely bill payments and educate them on the value of maintaining a good credit history. Conversely, ensure they understand how debt can negatively impact financial independence.

Should I pay my parents credit card debt? ›

It may come as a relief to find out that, in general, you are not personally liable for your parents' debt. If they pass away with debt, it is repaid out of their estate. However, this means that debt repayment could diminish or eliminate assets and property you could have inherited from your parents.

Will my son's debts affect my credit rating? ›

If you're worried about the effect that your debt might have on the people you live with, it's worth knowing that credit files are independent of each other unless there is, or has been in the past, a specific financial link such as a joint loan.

Am I responsible for my adult child's debt? ›

Once a child turns 18, the child is legally responsible for his or her own medical bills unless the parent signs an agreement with the medical provider to pay those bills. As for other debts incurred by children under 18, parents generally are not legally liable for these debts.

Should you let a family member pay off your debt? ›

This is a very individualized situation that is ultimately up to you. However, before deciding, it's important to weigh factors such as the type of debt and how much help you can provide before hurting your financial situation.

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