I’m always wise when it comes to spending money. I want to save to a certain goal, and I should hit it before I go back to college. Here’s my main worry: my family will always be in debt until college is paid for. That’s being said, everything they purchase or reimburse me for makes me worry and feel bad. I have a year and a half of college left. 

I want to be responsible because I’m 20, I have a car, a phone, and part-time job, things like that. But when my mom has to take money out of her savings to pay me back for something, that’s when I worry about my parents’ finances. I pay for some things, but I want to take ownership more often. Any advice? I know I shouldn’t constantly worry about my parents’ money, but it’s almost always the main topic being talked about when I’m around, and I can’t help but worry.