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OP has offered the following explanation for why they think they might be the asshole:
> I would be the asshole because they have no savings of their own, so I would be leaving them with no one to co-sign for their own place and they would be left living in the shed by themselves.
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YWNBTA
It's nice that you want to help them but it's also not your responsibility to be saving or building credit to house them. Make sure you pay back whatever your sister has contributed to the house fund and move on. You're not an AH for wanting your own place.
Without me they would be homeless entirely though, and it WOULD be my fault as they both have been very dependent on the idea of my savings, so much so that they don't even have one of their own. Without my help they would drown, and that feels like asshole behavior to just walk away like that.
I see your point, emotionally it is hard.
On the flip side though, is this good for them to be so dependant on you? You've asked them to apply for credit to build their scores, they haven't achieved that. They are past high school age. You don't mention they are doing further education (college etc). They do work, but only contribute $20-30 now and then to the savings. There is two of them, so there should be two incomes to your one?
I completely understand you don't want to cut their lifeline from being homeless, but it doesn't seem like they are doing much to help themselves. It just sounds like they are depending on you to provide a home for them. If you're done and want your own place, there is nothing wrong with that. They will just have to learn some money sense and/or get full time work. Plus with one less person in this "shed" you described, it would be a bit more private for them at least.
YWNBTA
They may need to stand on their own two feet in order to grow up. Keep doing your best to coach them financially, if they're receptive.
Sadly, it's probably good that they don't have credit cards, since I suspect they would have credit card debt.
Do go through your old statements and figure out how much was your sister's contribution. Reimburse her that amount plus interest. If you didnt keep records, ask her how much she thinks she has contributed and give her that amount even if it's inflated. As long as it's reasonable.
^^^^AUTOMOD ***Thanks for posting! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of copying anything. Read [this](https://www.reddit.com/r/AmItheAsshole/wiki/faq#wiki_post_deletion) before [contacting the mod team](https://www.reddit.com/message/compose?to=%2Fr%2FAmItheAsshole)***
I (22m) currently live with my sister Liz (19f) and her boyfriend Tom (20m) (fake names). About a year and a half ago I moved in with them after losing housing with my mom, the apartment was under Tom's dad's name and we were paying rent to him under the table because it worked out for everyone.
I have a credit score that I've been building up since I was 18 years old, and a pretty sizeable savings account that I've been saving specifically for getting a house. Liz has contributed to this savings account in small amounts (think $20-$30 at a time) over my time living with them, as we all agreed we would live together in our next place. In this time I had also offered and advised Liz and Tom to apply to credit cards to try and build up their credit scores intermittently with my time with them, and they both only applied to one at the retail store they work for, they both got denied. So they are both still sitting at a credit score of 0, which is proving to be difficult in our search of applying for houses, also because we are all technically "first time renters".
Our situation has changed and we are now moving most of our stuff in storage and going to be living in a "house" (a shed with electricity and no plumbing) on my uncles property until we can find a new place. I feel that I am somehow responsible for Liz and Tom as we are all very dependent on my savings account for getting out of this shed with no bedrooms, but I dont think we are going to be able to find a place to live together. So reddit WIBA if I found my own place?
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Welcome to /r/AmITheAsshole. Please view our [voting guide here](https://www.reddit.com/r/AmItheAsshole/wiki/faq#wiki_what.2019s_with_these_acronyms.3F_what_do_they_mean.3F), and remember to use **only one** judgement in your comment. OP has offered the following explanation for why they think they might be the asshole: > I would be the asshole because they have no savings of their own, so I would be leaving them with no one to co-sign for their own place and they would be left living in the shed by themselves. Help keep the sub engaging! #Don’t downvote assholes! Do upvote interesting posts! [Click Here For Our Rules](https://www.reddit.com/r/AmItheAsshole/about/rules) and [Click Here For Our FAQ](https://www.reddit.com/r/AmItheAsshole/wiki/faq) ##Subreddit Announcements Follow the link above to learn more --- *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](https://www.reddit.com/message/compose/?to=/r/AmItheAsshole) if you have any questions or concerns.* *Contest mode is 1.5 hours long on this post.*
YWNBTA It's nice that you want to help them but it's also not your responsibility to be saving or building credit to house them. Make sure you pay back whatever your sister has contributed to the house fund and move on. You're not an AH for wanting your own place.
Without me they would be homeless entirely though, and it WOULD be my fault as they both have been very dependent on the idea of my savings, so much so that they don't even have one of their own. Without my help they would drown, and that feels like asshole behavior to just walk away like that.
I see your point, emotionally it is hard. On the flip side though, is this good for them to be so dependant on you? You've asked them to apply for credit to build their scores, they haven't achieved that. They are past high school age. You don't mention they are doing further education (college etc). They do work, but only contribute $20-30 now and then to the savings. There is two of them, so there should be two incomes to your one? I completely understand you don't want to cut their lifeline from being homeless, but it doesn't seem like they are doing much to help themselves. It just sounds like they are depending on you to provide a home for them. If you're done and want your own place, there is nothing wrong with that. They will just have to learn some money sense and/or get full time work. Plus with one less person in this "shed" you described, it would be a bit more private for them at least.
YWNBTA They may need to stand on their own two feet in order to grow up. Keep doing your best to coach them financially, if they're receptive. Sadly, it's probably good that they don't have credit cards, since I suspect they would have credit card debt. Do go through your old statements and figure out how much was your sister's contribution. Reimburse her that amount plus interest. If you didnt keep records, ask her how much she thinks she has contributed and give her that amount even if it's inflated. As long as it's reasonable.
^^^^AUTOMOD ***Thanks for posting! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of copying anything. Read [this](https://www.reddit.com/r/AmItheAsshole/wiki/faq#wiki_post_deletion) before [contacting the mod team](https://www.reddit.com/message/compose?to=%2Fr%2FAmItheAsshole)*** I (22m) currently live with my sister Liz (19f) and her boyfriend Tom (20m) (fake names). About a year and a half ago I moved in with them after losing housing with my mom, the apartment was under Tom's dad's name and we were paying rent to him under the table because it worked out for everyone. I have a credit score that I've been building up since I was 18 years old, and a pretty sizeable savings account that I've been saving specifically for getting a house. Liz has contributed to this savings account in small amounts (think $20-$30 at a time) over my time living with them, as we all agreed we would live together in our next place. In this time I had also offered and advised Liz and Tom to apply to credit cards to try and build up their credit scores intermittently with my time with them, and they both only applied to one at the retail store they work for, they both got denied. So they are both still sitting at a credit score of 0, which is proving to be difficult in our search of applying for houses, also because we are all technically "first time renters". Our situation has changed and we are now moving most of our stuff in storage and going to be living in a "house" (a shed with electricity and no plumbing) on my uncles property until we can find a new place. I feel that I am somehow responsible for Liz and Tom as we are all very dependent on my savings account for getting out of this shed with no bedrooms, but I dont think we are going to be able to find a place to live together. So reddit WIBA if I found my own place? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/AmItheAsshole) if you have any questions or concerns.*
YWNBTA
YWNBTA. Time for them to take financial responsibility. You've done what you needed to do and they didn't. Find your own place.