What goes around comes around

For much of my life, my mom has always been the most giving person I know. She is the main reason why I try to donate as much as possible. I think it's important because I'm so fortunate. I believe in the general rule of 'what goes around, comes around' and if you do good, the day will come when good will be done to you. I can think of countless times when she has given up her time to help someone who needs it, but more than that, she has no problem forking over money to help.

I guess I should say "had" instead of "has."

The divorce she's going through is taking its toll. I suppose it goes to show that it's easier to "help" if you're not worried about money. It's hard for me to watch what my mom is going through. She wants to help but just simply can not. It's now her turn to ask for help. And that's hard for her to do. And it's hard for me to watch.

And it's just the beginning, right?

Let's assume that things work out for her and she is able to somehow get out of this divorce still standing on two feet, or at least kneeling. Then there is no problem. But what if she doesn't? Then what?

Michael and I have a plan for retirement. Our plan is to put our children through school and have the retirement we want. Our plan is working but our plan does not include our parents. We assumed they had their own plans. What happens when theirs fall apart? What happens to our plan?

And strangely, this isn't even about my mom and her financial situation.

It's about my brother. My brother has never been able to, nor will he ever be, make much money. He has been working at the same job now for 16 years. That sounds good. The sad part is that he's still not a permanent employee. He works 40 hours a week but does not get any benefits. No vacation, but more importantly, he gets no insurance. He is insured through my mom. Don't get me started on how much that infuriates me.

See where this is going?

My brother has a major dental issue that will cost $4,000 to clear up. Where is my mom going to get the money for that? The answer was in her tears. She has no idea. The money will come from somewhere - it HAS to. And most likely a portion of it will have to come from us (if Michael happens to read this before I chat with him, obviously there is more to it than that).

Get him past this point and all goes back to normal, right? But what about next time? He is not getting any younger and certainly is a person who is most likely prone to having big medical issues prop up, instead of the small ones.

Yes Michael and I are very fortunate to have a plan, and one that looks promising. But where does that plan end? It's not like I can say "no" to my mom's needs? Or can I? And after her, then there's my brother? Oh, and why stop there? What about the other grandparents? What if their plans fall apart? When I look at the numbers, Michael and I are the only ones who can "afford" to help. But we can't afford to take it all upon ourselves. And is it fair to expect us to, simply because we're more responsible with our finances than others?

My father-in-law is burning through his money trying to take care of his father-in-law. What happens after that? Traditionally, the next generation takes on the burden. But where does it end? Is it really reasonable to expect the next generation to always pick up the slack? I don't want to do that to my children, but when I look at the possible worst-case, or even the possible likely-case, I'm not sure even I would be able to avoid passing on the burden.

And all this because my brother has a stupid tooth infection.