Aunt saves money for her 4‑year‑old nephew in a separate account and refuses to let her financially irresponsible brother use it for bills and groceries

4 months ago 34

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  • Woman with blonde hair sits in a chair indoors wearing a short-sleeve button-down shirt and white pants, looking calmly at the camera in a modern minimalist room with textured white walls and a leafy houseplant nearby.

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  • AITAH for not allowing my brother to use his son's (my nephew's) money for bills and groceries

    I (42F) made an account for my nephew (4) to put money aside for him for extra things like toys and whatnot.

  • Up until the day before yesterday I kept the card with me because I don't trust my brother (25) with it.

  • He and his wife (24) are very bad with money. Between my sister (35), my dad (70, not my brother's dad) and myself, we've leant him 3 to 4k that he has yet to pay back.

  • The day before yesterday he wanted to take my nephew to an event and wanted to use the money to help get him things from the event.

  • I agreed, with the understanding that they needed to return the card to me. Then yesterday he called me saying the card wasn't working, saying my nephew wanted a toy.

  • I then informed my brother that the card had a spending limit set. He wasn't happy and then proceeded to tell me that without it he would not be able to get groceries.

  • Then the brother wants to use the money for an event and she agrees as long as the card comes back where it belongs. The next day he calls because the card was blocked at a store and announces that without it he cannot buy groceries. The message is clear he wants to treat his son’s savings like a supplementary paycheck. The parents act like access to the card is a basic right and when they cannot reach it they get angry at the aunt for keeping their own kid’s money from them. The mother even tells her to shut the account because it is teaching the child the wrong lesson as if the wrong lesson is protecting money from being spent on adult bills.  

  • Close-up portrait of a woman with light brown hair wearing a short-sleeve button-down shirt and a small cross necklace, taking a selfie indoors in a minimalist room with textured white walls and a leafy houseplant in the background.

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  • I told him that that was not the purpose for that money. That was his son's money.

  • They seem to think that since I've given my nephew money and that they are his parents that they are entitled to decide what to do with it.

  • The real tension is not about groceries it is about control. The brother and his wife want to blur the line between their needs and their son’s needs. The aunt wants to hold on to the one small thing that belongs to the nephew and not to the chaos of their budgeting.  

  • His mother, my sister-in-law, told me to cancel the account and that I was teaching him the wrong things.

  • It's as if they think if they can't have access to the money then their son can't have it at all.

  • Who’s wrong here shouldn’t really be a question here. She is just the person who finally drew a line that separates childhood from adult money problems.

  • Am I wrong for wanting my nephew to keep the money I give him for himself.

  • Rabbits012 NTA but take away their ability to use the money

  • prismaticdragonseye Original Poster's Reply I did, I blocked the card.

  • NotMyCircuits Saving $20 a month IS saving for college. Pick an amount you can afford and make deposits. $200 a year x ten years is $2,000. That's a way bigger help than zero. And don't tell anyone you are doing this. But you can name the child as POD on the account, so it goes to him should anything happen to you.

  • prismaticdragonseye Original Poster's Reply 4k is barely enough for a year of community college, who knows how much it will be in 13 years. But I will do what I can to help him academically. If his parents will let me that is. My sister is a teacher so she might be able to help too.

  • Gnd_flpd Maybe, you want to set aside some funds for your nephew's college (if you're interested) because I don't see his parents as the type to plan for that. NTA

  • prismaticdragonseye Original Poster's Reply Unfortunately I don't have enough to save for his college. I get roughly 900 or so a month, and currently adding $6 a week to his account. That's all I can spare at the moment. So unless my income increases significantly and/or prices come down I'll have to stick with that for now. And in 13 years, he turns 5 this year, at $6 a week that's only like 4k saved.

  • prismaticdragonseye Original Poster's Reply My brother and sister-in-law's argument is since it benefits him that his money should go towards bills and groceries. I just feel that if I let them cross that line that they will take everything I give. They both have good jobs, I've tried helping them budget, but they always seem to need money. And I don't know where their money even goes.

  • I_wanna_be_anemone So if they have their way, a literal child is contributing more to the household finances than two grown adults? Pathetic. I have a savings account in trust for my nephew because my sister is sadly just as much of a parasite as your brother. Everyone knows to send any birthday or Christmas money to me over his parents. Then when nephew visits, we'll sit and go through some toy catalogues or websites to see if there's anything he'd like. Prioritise building trust with your neph

  • prismaticdragonseye Original Poster's Reply When he's old enough to understand I'll explain it to him about the account and that if he wants anything to let me know and I can give him access. And hopefully also teach him how to manage his money so he doesn't fall into the same habits as his parents.

  •  why is there a card attached to this account? Why haven't you simply set up a savings account that only you can access - without a card? Why did you even tell these parasites about the account?

  • prismaticdragonseye Original Poster's Reply The account has a debit card attached to it. It's supposed to give him some spending money. I've kept it with me letting the funds accumulate. It's an early acorns account. I know he's a bit young for it. But I was trying to do something nice. And until yesterday I tried to give my brother and sister-in-law the benefit of the doubt.

  • VampiresKitten He's 4. It is better if you just ask your Brother to put the items THE KID wants on a credit card and to send you the receipt so you can refund it via venmo, cash app or zelle. No more card business. He's too young for one and your brother is too irresponsible for one.

  • prismaticdragonseye Original Poster's Reply My intention was to keep the card with me, but I couldn't go to the event as I am disabled and the place isn't the best for accessibility. I foolishly hoped that my brother would only use it for my nephew to get to do things at the event. I tried to give him the benefit of the doubt but he and his wife showed their true colors.

  • emilygilligan He's 4 so doesn't need a card. Just keep the account going and keep the card he can use it when he needs it.

  • prismaticdragonseye Original Poster's Reply That was my intention. I've blocked the card for now so that my brother can't use it. The reason I gave it to him was to pay for things he wanted to do at the event they went to. I couldn't go myself as I'm disabled and the place doesn't have the best. accessibility.

  • Time_Tutor_3042 NTA I would keep saving until it is time for nephew to get higher education. then give nephew the access to money. I'd tell SIL I closed the account but keep adding to it for his future in secret.

  • prismaticdragonseye Original Poster's Reply That's what I intend to do. I just want to do right by my nephew. I have no kids of my own, and I want him to have a good childhood. The gifts I got him for his birthday and Christmas have been STEM related, hoping he will gravitate towards that as he gets older. I want him to be successful. Unfortunately I can only do so much as I'm on a fixed income. He gets $6 a week from me plus a little extra for birthday. One thing that I'm going to tell him when

  • wearypillsvague Nta but I would worry if he gets enough to eat

  • prismaticdragonseye Original Poster's Reply That's my worry, but if I let my brother cross that line he will constantly do so.

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