Hanggang kailan mo responsibilidad ang anak mo?

Sa aking opinyon, hanggang 21 years old.

Sa ibang bansa nga, 18 years old pa lang ay emancipated na o nagsasarili na ang kanilang mga anak.

Nagsimula din akong bumukod sa amin noong ako ay 21 years old. Ito ay nang matapos ako sa kolehiyo. Hindi na ako umasa sa aking mga magulang at that age. Sariling kayod ko na ang bumubuhay sa akin.

At 21, kinakailangang may sariling trabaho na ang anak mo at kaya na niyang tumayo sa sarili niyang paa. Hindi na siya dapat kumukuha ng allowance o baon sa iyo.

Medyo harsh, pero ang lagi kong sinasabi ay you have failed as a parent if at 21 years old, your child is still dependent on you. Of course, may exemption.

Ang mga anak na may kapansanan lalo na ang mga physically o mentally challenged ay exempted. Kailangan nila ng assistance at suporta upang mabuhay sila.

Paano ang mga nag-aaral pa, exempted din ba sila?

Kung sila ay sumobra na sa quota ng apat na taong pagko-kolehiyo, hindi na sila exempted. Ang kontrata lang dapat ng mga magulang sa kanilang anak sa pag-aaral sa kolehiyo ay hindi lalagpas sa apat na taon para iwas abuso at dependency.

Sa ganitong rule, walang special treatment sa mga anak na bumabagsak. Responsibilidad nilang pumasa at gumraduate on time.

Kaya kapag nagpapakadalubhasa sila, example, gusto mag-masters, mag-abogado o mag-doctor – ang mga ito dapat ay kargo na ng anak para hindi affected ang retirement ng mga magulang. Maaaring sagutin muna ng mga magulang ang kanilang pagpapakadalubhasa pero kailangan nila itong bayaran kapag natapos na.

 

vincerapisura.com


3 Comments

  • Cheryl says:

    How can you pay for tuition fees at the college of medicine if you say that it’s the kids’ responsibility na? Yes maybe possible if u work and study but will die of exhaustion maybe. It’s unfair to say hanggang 21 lang. Hindi na sana ako naging doktor if my parents did not pay for my tuition. How could a mere working student manage to pay 50K per sem nowadays?

    • Vincent Rapisura says:

      Here’s what I said about doctors: Kaya kapag nagpapakadalubhasa sila, example, gusto mag-masters, mag-abogado o mag-doctor – ang mga ito dapat ay kargo na ng anak para hindi affected ang retirement ng mga magulang. Maaaring sagutin muna ng mga magulang ang kanilang pagpapakadalubhasa pero kailangan nila itong bayaran kapag natapos na.

      I get that it is difficult to study and work at the same time. I’m saying that the burden of additional cost because of extended schooling should primarily be the responsibility of the child, not the parents. You are lucky to have parents who are able to send you to med school without strings attached. That’s their choice. But in personal finance, I would recommend that you pay off your parents so that they are not financially burdened IF AND ONLY IF they need it. =)

  • PwedePadala says:

    As an OFW in Canada, the topic of becoming independent puzzled me the most. I don’t like to compare but in this topic, we can learn from North American countries.

    – Teenagers are encouraged to have a summer jobs
    – Students leave the parents house at 18 or later but not greater than 25
    – Students pay for their own tuition through student loan or by working
    – Parents help out with the tuition but save up for retirement
    – Parents downsize their home (sell and live in an apartment), volunteer, and travel most of the time

    This is the general situation in foreign countries. If we could teach the younger Filipinos to take responsibility as early as possible then the desire for independence will follow.

    And if the salary in the Philippines is enough to cover the expenses, I guess more working Filipinos especially single will move out of the house. But if the salary is just enough for the expenses, it makes sense to live with the parents and pitch in with the expenses instead of renting. Don’t forget to invest and save for future independence whether you want to buy a house, travel, or work somewhere else.

    The government should also have a program for student loan and inform the students while they are still in elementary.

    This way, parents can save as for retirement and not pay for college tuition or probably help out unless they are wealthy. Sadly, most Filipinos ended up becoming the retirement plan or their parents. Some belongs to sandwich generation, that is, looking after their own family and parents in terms of expenses.

    This should be part of financial literacy that should be taught at school. Teach the kids the reality and how to deal with it.

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