Hi, my mom just asked me if she could borrow $5000 from me, which is like all my current savings. She talked about how she's in a lot of dept. She also currently owes her brother / my uncle money as well that she borrowed this year.

I just started college and started to learn how to save money…so doing this would feel like a setback tbh. I feel bad but at the same time…I worked hard to save all this money up. I also was just thinking a few days ago to finally buy my own PC so I could play online with my friends which I really want to do…

She said she will be getting back money from her tax return next year and will be able to give it back then…but here's the thing…she already owes me $3000 from a couple years ago and I've changed the date for when she has to pay it back 3 times now. She currently owes it during the same time her tax return happens…but that would mean she would then owe me $8000. When I mentioned this she joked like "well let's see I can't guarantee" and when I said well then how can I trust you she changed her answer and started to be sure that she will have the money.

Also just some backstory…she was renting out the basement but it wasn't like registered and my dad (they are divorced) actually snitched on her to the government this year so lost that income coming in. So she had to spend some money on the required renovations but still can't rent it out anymore.

She actually asked me a few weeks ago if I would be willing to live in the basement and she can rent out the rooms in the top floor…which she is allowed to do. And I am actually really ok with that and want to do that, but when I mentioned it this time if she's finally gonna do it…she said she doesn't know about wanting other people living here. But isn't that better than asking your 18 year old for money?? Like if you need the money, then you have to do it at least for a while right? Especially since I'm actually ok with it.

Also forgot to mention…she gets child support from my dad but he wasn't paying it for a while until just a couple months ago when a judge ruled he has to. So she wasn't getting the money she was supposed to for a while but is slowly getting it back.

This is such a mess I just don't know what to do, I'd appreciate some advice.