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I have a daughter that has never saved a dime in her life. She owes everyone. She stopped calling me after I quit lending her money. I have probably lent her $50,000 in the last twenty years and never got one dime back. she refuses to grow up, so she is going to have to pay the price.
She is out of my will, she would blow the money in a month! She is adoped, so I guess genes have nothing to do with it, but she has certainly been a disappointment in many ways other than money. Even her children want nothing to do with her because she abandoned them.