“Did we create a monster?” The 23-year-old daughter saved $250,000 but refused to pay for dates or family outings

If their 23-year-old has piled up a quarter of the investment, most parents will be excited. Not this mother.

Julie, an audience member of the “Women and Money of Suze Orman” podcast, wrote about a dilemma that both Suze and her colleague KT raised eyebrows and were a little laughing.

"Did we create a monster?" Julie asked, what Suze Orman Called one of the best theme lines they have ever seen.

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Julie and her husband have lived under their own means for decades and now have a net worth of over $6 million, their mission is to teach children how to save and invest early. And it worked - almost too good. Their 23-year-old daughter is a full-time graduate student and has saved $250,000 in Roth IRA and non-retirement investment accounts.

how? "She has accumulated through years of work and our annual gifts to her contribution to Ross," Julie explained.

But here's the problem: their daughter refuses to spend money, well… anything.

"I think she has a toxic attitude to money," the mom wrote. "She often says that when she dates her boyfriend or dates with friends or family, she can't afford it and never want to pay for anything."

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Julie added that while her daughter is hard at studying and is always busy making more money, she has also become what she calls a "debauch."

Tip co-hosts KTReaction: "Mom thinks her daughter is a miserable," she said with a smile. But KT didn't see a 23-year-old boy obsessed with savings. "I won't do anything, mom," she added. "Any kid who wants to work and make money and save money and accumulate money is a good thing."

However, Allman is not ready to get his daughter out of the situation completely. She clarified: "Mom said she was in pain because she never paid for anything because she thought she could not afford it."

Still, Allman made it clear that this saving habit is not a dangerous banner, but a financial resilience.

“These are her complicated years,” she said. “For her over the next 40 years, she saved every dollar in her 60s because, more complex, it becomes so multiplied… She is on a path that is richer than you and your husband.”

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So what should parents do when their daughters quickly become millionaires but cannot allocate their dinner bills?

Orman proposed a tactical move: stop matching her Roth IRA donations.

"She's enough," she said. "You can simply say, 'You've done a great job and we won't match you anymore. You're alone.'" It's not about punishing her - it's about making money and gifted money. She added: "Let's see what it does to her."

As for the boyfriend paying on the bill? "Let them make a decision between themselves," Allman added. "But you didn't create a monster. If you ask me, you created a money."

Bottom line: Teach kids the possibility of saving may be better than expected, but don’t be surprised when thrift comes on the dining table.

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Image: shutterstock

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