Sanest redditor saddles 12 year old with $40,000 loan 

she's mad she got finessed for a 40k pool by a 12 y.o.

The girl should have claimed equity in the house, and sold it back to her parents after it appreciated in value. She could have asked them for $25k, and then paid them back the original $20k.

"I couldnt say no to my spoiled ass kid and now im mad about the consequences."

AITA for getting the ick when someone comes back to edit their common sense comment with a long winded "thank you so much omg, I'd like to thank God, the Academy, The Piss Goblin - etc." after it's blown up bc people agree with them? Like yeah, you got 40k+ upvotes and arbitrary awards that remind me of flair from Office Space for voicing a common sense opinion that people should not be giving loans (especially of tens of thousands of dollars) to children. Idk if that deserves a victory lap but I am glad it's the top voted comment, even on Reddit

This lady is speed-running 'my kids haven't spoken to me in 10 years' vibes

parents who use the "food and shelter" bit as an excuse to get whatever they want better not complain when they get put in a nursing home as soon as possible (it's food and shelter)

There's a reason kids aren't legally allowed to get into contracts, they don't understand the ramifications. Parent was an idiot for even thinking this was reasonable. At 12, it's "hey, we'll get the pool, but you need to do some upkeep on it if you want it, a monthly pool cleaning will need to be part of your chores", or some shit like that. Teaches them discipline, responsibility, and that if they work hard they can have cool stuff like pools.

2:52 some commenter said "Fannie Mae Rated that an AAA+ loan in 2008" and I think that was a very underrated joke

ngl she is actually learning the real morals here by finessing her mom she on that grind 💯

>"It's not about finances - it's about morals." >proceeds to list three financial complaints as justification for her behavior

Oh, the baby i made is living in my house... ██████ ██ ██ ██ ██ ██ ██ ██ ██ ██ ██ ██ ██ ██ ██ ███████ ██ ██ ██ ██ ██ ██ ██████ ██████ ██ ██

Threatening to take away the ability to work for not wanting to be saddled with an absurd debt forced on her at a time where legally she's in the clear for real actual contracts because she was a minor

Redditors think South Park's take on the Human Centipede was a perfectly wholesome story of people not reading contracts and being bound by them.

Incredibly insane. One... she doesn't keep the pool. You keep it. So you're forcing your child to work to pay for YOUR pool. It doesn't matter if you don't swim... it increases your house value. Even if she was fine with the deal you'd still be the asshole. Do you know how hard it is for someone with a normal job to save up $40k? So is she not supposed to go to college so she can work off the pool cost? She basically wanted her child to be an indentured servant.

If a redditor says it’s “about the principal” to justify their shitty actions one more time, im gonna morb. All of Reddit gaslighting a kid into thinking he’s an asshole over borrowing $2 from his sister to top the driver and immediately repaying still lives rent free in my head

NL going off on parents surprised they have to raise the kids they created was good stuff

I mean I understand the point of tring to make your child hold up their promises but getting them into thousands of dollars of debt at the age of 12 isn't the way to do it man. Plus the comment at the end about paying for their stuff is just stupid af lmao. Trying to teach your child about consequences of their actions but the person himself isn't even okay with the consequences of having a child

Obviously she's not gonna pay you back, that's a horrible deal. Why would she be handing over half the cost when she gets none of the value? She actually knows that the house is going to go up in property value and that she's never going to see a cent of that money, thus having her investment essentially blown away. Smart girl. Clever. The mom should press her harder, that'll get her to pay up.

Sweet, good on her. Giving a 12 year old $20,000 of debt towards your own property is a great buisness idea. I'm going to have multiple children and save every receipt and expense and add on a 24% compounding interest rate! By the time they're an adult they'll practically owe me a millions bucks each, suckers! 😂 Retirement here I come!!!

classic reddit libertarian can’t tell the difference between contract law and morality, argues legal age of consent should be lowered to 12

the right thing to do would be to tell her "no, we're not getting a pool, we will pay for a membership to the YMCA" or something. this is extorting a 12-year old

Selling half a pool to a 12-year-old kid for $40,000 is a sigma move.

Every single person in my life is calling me a piece of shit but I don’t care lol

When youtube man responds with incredulity to people making their children feel bad for existing and you have an epiphany that maybe your family wasn't normal.

expecting a 16 year old to immediately pay off 20k is so fucking insane

This is exactly why there is an age limit for things like consenting to a relationship, drinking alcohol, driving, and voting among a ton of other things. How can a kid be expected to make such a consequential decision when they haven’t even had a chance to become independent enough to be understand the weight of a 20k debt?

You reckon the mom understands the difference between 12 and 16 is literally a quarter of her daughter's lifetime, of which the first quarter between 0-4 is basically all forgotten for her?

Just buy an above ground pool holy crap.

She made a deal with someone who couldn't legally consent and is now acting like it's binding. This is not teaching her anything, making 12 year olds pay back loans does not exist

Didn’t the evil principle do this exact shit to the nice teacher in Matilda? Parents out here copying movie villains for parenting advice

"She acts a little crazy" truly mad moon was with us all along

I had no concept of money or the real world when I was twelve. I thought that I’d be rich with a house and kids by 25. I’m 26 and I live in a studio apartment the size of a tuna can.

Mfs allergic to inflatable pools I guess. "Let me just drop $40k on a pool even though me and my husband don't swim because my 12 year old is slightly jealous of her friend's pool"

Aita for taking to court my 10 year old child for not doing the dishes ?

This house is the parents property, this would be like my landlord expecting me to cover half the cost of renovations to my apartment.

It destroys me when he doesnt read the comments for these. I need to see the insane takes and the YTA smackdowns

Child- *turns 18, moves out, goes no contact* Mom-I don't understand why my child won't talk to me anymore.

Hey Reddit literally everyone in my life is telling me I'm insane can you tell me I'm not

Plenty of better ways to go about teaching your kids the importance of money. IE: If they want something, give it to them but have them help you around the house or something to pay it off.

AITA My 12 year old isn't paying her half of the rent

1. Mentions to your child how cool and *expensive* it would be a pool 2. Make they sign a contract 3. They grow up while covered in debts already ??? 4. Profit

this is literally how the 2008 housing market crashed.

"It's about teaching my young daughter the right morals to live with" The morals of "Do you like dangley keys, sweetie? Dangle dangle! If you pay me 50.000 dollars when you're grown up, you get to play with the keeeeeeeeeeeys!". She straight up tried to ruin her daughter's prom party no less, over an agreement she herself never stated had a deadline.

EDIT: "Hello Reddit, my daughter turned 18 and I demanded she start an OnlyFans to pay back her debt to me or I would disown her. She killed herself. Am I the asshole?" EDIT: "Thank you for the gold kind strangers."

Having already watched this, its so funny to me that it starts with “uphold her end of the deal”

Sanest rich parent

I must say I love this channel

I'm freaking pogging right now

Just have her lease the pool for the time that she's in it and have that go towards paying for it. Whatever contracts she doesn't or does have for phones or cars are separate if you're going to be money pilled at least do it properly.With all the extra property generations of yore have you'd figure understanding this transaction wouldn't be a problem.

still not as predatory as college debt.

4:40 @Pedr_: you could sucker your toddler into compound interest and safeguard your retirement rn +2

It’s non enforceable you can’t make a legal binding contract with a child.

Bruh, this is the kind if thing I would tell my kid AS A JOKE 😂😂😂😂 "Ok, we'll build you a pool, but you gotta pay us back when you're a millionaire 😉"

My only consolation is that this story is likely made up for ragebait....but I am also deeply disturbed when I think there are absolutely people out there who have done something similar to this somewhere in the world and some point in time.

my dads the mf who will have a kid and then use it against them but in a different way. yeah he'll do the "i never let you go hungry or without a roof" bit but also he believed children chose their parents before birth so whenever we were fighting he would pull that shit on me and also when I got frustrated with him he always threw "Well you chose me as your parent so live with it" pissed me the fuck off

She's learning how to max her credit and avoid debt collectors

Must the creation always rebel against their creator?

"For me this isn't even about money - it's about teaching my young daughter the right morals to live life with." Like fucking scamming a twelve year old?

The daughter should bring on an assessor to revalue the house and then request the difference between the 20k she "ows" and the value of the house appreciating from the pool be added to her college fund

A child/young teen can't even comprehend what 40K is

How to estrange your children and potentially the rest of your family.

Libertarian mom of the year

My mom would totally do that to me, she is psycho. You can't expect a 12 year old to be responsible enough to sign a contract for 20k.

With interest ☝️BatChest

This mother is getting chucked in the worst retirement home imaginable. "Sorry I couldn't afford anything better, I'm still paying off the pool"

I used to think my mother was a bad guilt tripper because whenever I hurt her feelings by being mad about something, she'd always remind me of how much she went through having me. My usual comeback because I was an angsty brat was 'I never ASKED to be here, you know! Just because I fought like crazy against billions of others to get in your egg doesn't mean I knew what I was getting myself into!'

How funny would it be if the 16 year old demanded payment for 4 years of the parents renting her $40k pool. According to Google renting a house with a pool costs around $500 a month more than a house without a pool. That's $24k over 4 years. The mom demanded half of the $40k which means she still owes the child $4k. Im half joking but if the mom is going to be that dumb then you might as well use the mom's logic against herself.

My parents just made me feed and walk the dog i wanted as a child, and then "loaned" me $1500 to buy my first car. (It was a $4000 car.) Gonna be honest. I turned out alright. I mean, i sold crystal meth for a bit, but who didnt have a breaking bad phase? Im good with money, at least.

Dad who seems at least to have a few screws correctly fitted really should have checked with his wife if she's being serious. Maybe he didn't suspect this still. I can sympathize, it's completely insane. The daughter should sue her mom for being poorly raised in the future when she fucks up in something. There's a clear reliance on proper parenting in the parent child relationship now that she's verbally committed to this principle. Edit: Also the absurdity of this deal. The daughter foots HALF the cost of a *home improvement* on a property that they own. That's just not reasonable.

By itself, there is nothing inherently wrong by expecting a promise to be kept. The issue comes with her own parenting. If she expected her own child to keep the promise, then she should have taught those values to her child. She only has herself to blame for not raising her child in the way she expects the child to act. Yes, children, like all humans, have their own minds and will. But efficient and effective parenting will always be influential on a child (so is bad parenting but thats a whole can of worms). The mother is the asshole.

The fact that $20,000 is also like 2 years salary for a 16 year old and if she moves out soon for college etc she's not even gonna be using the pool

3:39 if it was about the principle and teaching responsibility she should have made her pay back a few hundred dollars

I knew a minor couldn't be held to a contract when I was 11 and getting "free" cds from Columbia house and BMI

Making deals for "her" benefit? 😂what 6th grade girl is going to be like no mom actually I don't want a pool

Redditors when they find out you can contest a contract if it has unreasonable terms (they have an extremely basic understanding of the legal system)

That was the best one from that React Court

As a fellow new father, I think it's definitely a good idea to try to reason with your kids, you just can't expect it to actually work. You're not doing it for it to work, you're doing it to train them up for it to work at some undefined point in the future.

Straddling someone with debt is a pretty harsh way to teach someone financial lessons about debt, capitalism, and how to make money.

What happend to the good old time when you could just send your kid to the coal mines or factory to work. Paying for their food *yuk*

honeslty, it is crazy to make that deal with a 12 year old but to teach a 16 year old that leasson is pretty important. Just buy her the dress as a gift.

In the words of my cousin Vinny "You was serious about that?"

People posting these be like "I'm the opening where poop comes from..."

This has been the worst trade deal in the history of trade deals, maybe ever

Sure it could be a good principle to teach. But not with that much money!

Too bad every AITA of all time is egregiously fake

All the joy she'll have pays more than enough for it I mean come on

Redditors might as well be a separate hominid species at this point

All the daughter had to do was double it and give it to the next child

She expected her 16 year old daughter to pay off 20k on minimum wage? All she would be teaching her daughter is how evil debt slavery can be while simultaneously teaching her to never trust the wisdom of her loved ones I think 10% would have been more reasonable. But even that is a ton of money. Honestly this situation would be incredibly easy to predict, not sure how she didnt see this coming Personally i would have made her save up 1-4k to pay me back in one installment, then at the last moment tell her to just keep it and use it for her expenses or savings or college. Teach her about the dangers of making deals without the destruction of the familial bond and the childs bank account I also would have started her at 12 years old working off the money by doing chores. Let her use most of the money but also give her savings goals to achieve. That way she gets started with acquiring a good work ethic and financial sense at a young age, while also giving her some play money to feel rich among all the unemployed children. She could work and feel satisfaction in the reward, while also feeling satisfaction in the responsibility of saving up as her "account" size grows larger

Reading contracts? 😂 I mean I ordered a train ticket and there were like 150 pages. I just trust in consumer protection laws. Where I live the fine print is not allowed to hide additional costs.

Me realizing my parents literally did this to me over a car.

You can tell when a AITA post is fake when it's a woman admitting to something genuinely insane with no sense awareness; not that there aren't women out there like this, but they are NOT posting about it on Reddit. These things always just SCREAM like some incel creative writing exercise meant to build a fake scenario when "See, woman stupid, see!"

The end reminds me of a great quote from legend of the galactic heroes: "Children are supposed to live by leeching off their parents" -Yang Wen-li

This was signed when she 3/4 through her life. She has no concept of the future! She barely has a past!

Most sane redditor loan

They obviously care more about the money than the lesson, if they wanted to teach her responsibility and ensure she actually wanted the pool there were better ways to go about it

This post "must* be a troll, right?

i am so obsessed with this vid

😂

The Broad is off her gourd