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Hi again,
I agree with the general sentiment that the Bank of Mom and Dad needs to close before the Bank of Mom and Dad goes under.
I've lived with an adult BPD stepchild, on and off, for several years. I've noticed that in her Bizarro world, the natural monetary incentives are all mixed up. It seemed that the worse she acted--the more tantrums, meltdowns, storming off and impulsive quitting (jobs, college, living situations), etc.--the more money and concessions she got. In Bizarro world, it literally paid her to be dysfunctional. Why on earth would she ever change? She could sleep all day, rely on others to provide housing, insurance and transportation, raid the parental fridge (or order DoorDash and charge the Bank of Dad), refuse to help around the house, and meanwhile have oodles of free time to scroll social media and use marijuana. She didn't even have to pay for her own phone, because it was supposedly cheaper to keep her on the family plan. All she has to do to get more money is scream and hurl insults at her parents. Maybe each successive year she has to take it up a notch and threaten to kill herself if she doesn't get the money she asks for, but she knows her parents will relent, out of Fear, Obligation and Guilt. She could be cunning too. For example, she could convince her parent to enroll her in college and pay for an apartment near campus. If she withdrew early enough (within the first two weeks), she could have nearly all the tuition refunded, directly to her, and she could live on that for a few months, including going on Spring Break. Parents might not even find out she dropped out of school until months later. Why would she tell the truth about what she was doing? In Bizarro world, it's easier to lie and pretend she's going to college. With BPD thinking, her twisted logic might be that her parent OWES her for abusing her, and thus she has a right to the tuition money, to spend however she wants, and then to ask for even more money as reparations.
Now I imagine there's an element of shame with the pwBPD. I doubt she's in complete denial about money, where it comes from and how much things cost, even if she does appear to be delusional and clueless at times, about things such as overdraft fees, credit scores and unpaid bills. I suspect that the financial mistakes generate a lot of anxiety and shame in the pwBPD . . . which probably contribute to her inability to have a conversation about budgeting. Since the topic makes her both anxious and shameful, she probably reacts to it in her usual ways: with either the "flight" response--to retreat in avoidance by stonewalling or cutting off communication; or the "fight" response--denying the problem spending, accusing you of lying, accusing you of manipulating, deflecting, etc.
If you can't stand to close the Bank of Mom and Dad, then there could be a middle ground of reducing the credit exposure. Another approach would be to provide financial assistance in kind, so that you know your money is being spent exactly how you intended. You might impose some stipulations with continued financial support. An example might be, you only dole out small amounts in cash in person, for example when your daughter comes to your home for dinner with the grandchildren; that way you can provide a healthy meal, encourage socialization and keep tabs on the grandkids. I'm sure there are abundant options, and as it's your money, you get to decide how you want to spend it. In addition, know you could decide not to give her any more money, because you have to handle your own budget. That's OK too.
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