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Hi again,
I think you're generally on point with your concern about your daughter seeming stuck, as opposed to moving forward and working on herself. I empathise with your concern about whether or not therapy is helping your daughter, because it's expensive as well as time-consuming. In my own situation, there were times that I felt like therapy became my BPD stepdaughter's "occupation," as well as an excuse for not really doing other things in her life.
I'll share with you my own mindset concerning my BPD stepdaughter. While my husband was mostly focused on her mood (i.e. wanting her to be happy), I was mostly focused on her actions. I could tolerate all sorts of negativity, sulkiness and disengagement from family, as long as my stepdaughter was generally doing what she was supposed to be doing. Was she going to her therapy sessions? Was she working on her classes? Was she earning some money? If she was unemployed, was she working hard to find a job? If she got fired, did she look for a new job? If she couldn't find a job, was she at least volunteering? Did she pick up after herself in the common areas of the home? Was she eating reasonably well? Was she getting some exercise? Did she shower and get dressed daily? Did she go to bed at night? Was she spending time with friends from time to time? Did she resist the urge to lash out and send mean texts? Did she find time for hobbies (not including passive consumption of social media and TV)? In other words, in spite of her sour mood, did she follow a "normal," age-appropriate daily routine? I guess that this approach hinges on my belief that you are what you do every day. Since my BPD stepdaughter seemed to struggle so much with her identity, my hope was that after a few months of following a healthy routine, she'd come to realize who she was (for example, an attractive, athletic college graduate working towards a career in XYZ, starting out with volunteer work in an adjacent area, who loves caring for pets, spending time at the spin studio, and painting in her free time). In other words, something other than her ongoing narrative: an angry, entitled, victimized girl with a terrible childhood whose family mistreats her and who has given up on herself because she's too overwhelmed by adult life.
As an aside, my stepdaughter would struggle with handling stress, which tends to increase in early adulthood. I emphasized to her that keeping a regular sleep and mealtime schedule helps reduce physical stress, by resting and nourishing the body. The same goes for regular exercise. Spending a few minutes every day to tidy one's living quarters will help make the environment pleasant, setting her up for success. Thus keeping a schedule can help "automate" daily living, reducing stress and the mental bandwidth spent on routine tasks, freeing it up for other things. In fact, whenever stress feels overwhelming, the more important it is to focus on healthy habits. It's not "stupid" or "boring" to have a healthy routine; it's part of the scaffolding that supports you to achieve what you want in life.
I guess my point is, it's less about knowing the actual content or goals of your daughter's therapy, and more about taking ACTION and building momentum towards carving out an independent adult life. I think that starts at home. The rules of my home would be, adult children are welcome any time, provided that they are drug-free, respectful and take care of the home environment (clean up after themselves), while they are working full-time on themselves, through some combination of study, work and/or volunteering. In addition, I think they should be responsible for paying for all their own luxuries (phone, travel, etc.)--it's their choice entirely. In other words, they aren't allowed to give up on themselves and on life in general. If they insist that they are adults, they can choose to do whatever they want whenever they want, well that's absolutely true, and they are free to leave, you wish them all the best. But for as long as you're providing free room and board, they are not allowed to be on vacation, to freeload and sit on the sidelines of adult life, because that's not the "real" world.
How do you enforce these rules? It can be difficult sometimes. Typically my stepdaughter would start out OK, but then she'd regress--sleeping in late, taking long afternoon naps, prioritizing fun travels over looking for work, etc. I didn't want to police or regiment her days, or have to inquire about daily status reports, but it was clear to me she wasn't working hard on getting her life on track. I might suggest to disable wifi at night, to prevent all-night streaming. If she's sleeping the days away and not working on herself, then you have to ask her to leave.
I have a few ideas on finances, but I get the sense you're on the right track there. It's true that emerging adults might benefit from financial support--but there's a fine line between support and enablement of dysfunction. I think that the principle of "skin in the game" is an important one, especially as your daughter matures. If your daughter wants therapy, then maybe you start out paying for 100%, but then you ratchet that down over time, to maybe 50% (or a set amount per month) and then lower. Let your daughter take the lead on working out the details--maybe she reduces the frequency of therapy sessions; maybe she asks her therapist for a lower rate; maybe she finds a cheaper therapist, or one that's covered in her insurance plan. She has to learn to work within budgetary constraints, because that's the "real world." If she has skin in the game, she's much more likely to appreciate your support, as well as work out a solution. But if you're paying for everything, she'll just hold out her hand for more money, while resenting you for not giving her enough.
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