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Quit_LaterRepostReddit
Sep 29

Family debt — utang na loob

My girlfriend and I have been together for a year. She's Filipino and grew up on an island in the Philippines.

Our whole relationship, her parents and siblings have leaned on her for money. They grew up very poor. She's the eldest of four, and at 33 she's never really had her own wants or needs supported. At one point she was $2–3k in debt while also paying off her parents' car.

Even after the car was paid off ($5,600 total), the pressure didn't stop. Her parents still guilt-trip her: they're 60 and 'old,' they're disappointed she's putting the relationship first, and she should go work abroad again to earn more instead of getting ready for a husband and a child. They almost never say they're proud of her or show appreciation. Everything feels transactional. She sometimes wonders whether they want her back home so she can keep supporting them, not so she can build her own life.

She has always contributed more than her siblings. Birthdays, trips, food, gifts, cakes — she pays for it. When she visits, she gets looks that say she's expected to spend. They rarely ask about her future, interests or hobbies. Before the car, she sent home $50–$200 a month on average. The more she earns, the more the goalposts move. Once the car was done, a new need appeared. They also comment on how comfortably we live, where we go, and which restaurants we eat at.

Recently she asked if she could stay with her parents and siblings while she waits for her U.S. visa. Their answer: 'What about us? Why not get married here? Are you only with him for a visa? It's better to go overseas and make money instead.' Both parents said this, and they barely talk to her otherwise. They know I'm financially stable, and I think they're afraid that if she leaves for the U.S., we'll put ourselves first and they'll lose access to what we have.

I'm shocked and looking for perspective. Is this just Filipino culture, or an extreme island version of it?

2
Reactions28 of 40 original comments
How it went for usIt's just the cultureKids as a retirement planLeech familiesSet limits, cut them offA Filipino perspective
How it went for us
ExcellentAttitude51716

My wife stopped sending money when her mom passed away. She told everyone else to move to Canada if they want money.

It's just the culture
Educational-Bar-877323

It's simply Filipino culture. You'll get plenty of comments saying otherwise, but they're lying. That said, just because it's 'Filipino culture' doesn't mean you have to enable it, excuse it or put up with it.

Kids as a retirement plan
DontKnowWhereItsBeen14

It's very Filipino indeed. The eldest daughter, even more than the eldest son, is expected to repay her parents for raising her. Sometimes I wonder if that's the only reason Filipinos have kids, as a retirement plan. Actually, no, I don't wonder. Across much of the developing and third world, children supporting their parents once they're able to is just a fact of life and society. My point is this isn't only Filipino culture, it's widespread across much of Asia. Remember China's one-child policy not so long ago? Parents drowned baby girls hoping the next one would be a son to support them in old age. It's a cultural thing, not just your girlfriend and her family.

Leech families
nissansky-8

There's a big leech mentality here. I met a girl living with a bunch of her siblings in a house outside Cebu; they'd moved there from the province for work and were supporting her family. I'm all for helping immediate family, so I figured maybe her parents had her late and asked how old they were. They were 53 and 50 and had stopped working because they felt like it lol. If you have the money or income to retire, go for it, but retiring out of laziness and passing the bill to your relatives is just leech behavior. And of course siblings and other relatives follow suit, and it all gets passed on to you as an AFAM, since you're a walking ATM.

Set limits, cut them off
sillyusername8810

I'm older than her parents and I'm still working, by my own choice. I've met many Filipinos who haven't spoken to their own families in years, and I completely understand. Whatever 'debt' they think she owes for raising her, she's already paid it. Time to cut the cord and let them fend for themselves. Also, how many 'standby' brothers, sisters and cousins has she been supporting over the years?

A Filipino perspective
Electrickettle1234

As a Filipino working abroad, I can relate to her situation. One of the main reasons I decided to work abroad was that I wanted my parents and my sibling to have a better life back home. In my case, I did it because I wanted to.. When I worked back home, what I earned wasn't enough, and it was my own wish to help my parents after everything they went through to put me through college... But after years of working.. I'm starting to get tired of always paying for almost everything..., Every time I go home I'm expected to pay for everyone's dinner because I earn the most.. whenever we take trips abroad or locally, I pay for everyone's tickets and hotels because I earn the most.. They don't force me, I think they're just used to it.. so my mom will casually ask me to cover it because my sister earns less than me. My aunt doesn't earn anything, so I have to pay for her too... Since we're a close family, it extends to my aunts and cousins.. and at the same time whenever I say no.. I feel guilty, because I do spend on myself.. I buy things I want.. and yet I can't give the same to my own parents and siblings... So family debt.. it's really hard to tell where it ends.. because even if I want to stop supporting home, the guilt, the feeling of being selfish.. bothers me more..

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