Thank you for your response. She gets very defensive when I offer to help with bills, money, budget. She thinks she is all grown up and knows what to do but she is failing at it and won't admit it. It is hard to help anyone in denial! I know she will figure everything out on her own and in her own time but as a parent you still want to help. She is 26 and should have this figured out I think. Am I expecting too much? She knows she has to pay me back. She has had a stable upbringing. Her father and I divorced when she was 2 years old. I was a single mom for many years and she had a great influence from my mother and father. I married a 2nd time when she was 10 years old. That marriage was a mistake but we all survived! It made us stronger. I am now in a great relationship and so is she. So, that's our story!