AGain, you have completely missed the point. I purchased my $650 hand made French Alain Mikli eyewear because I can. Its not above my means. I have no kids.
My sister-in-law has 2 kids. The $5000 she wanted is for my nieces braces. But the thing is, she knew about this even before she came into the $20,000. She is a dental assistant, so there is NO way this is just an all of a sudden thing! Yet she made the choice to blow the money on other things, thinking someone would bail her out. Thats why its BS!
My sister-in-law needs to do 1 of 2 things:
get off her ass & start working full time
OR
go get a personal line of credit & take out a loan * make payments like everyone else.
I also told my parents that if they give in to her now, she will never stop. Thankfully, my parents are NOT going to give in.
Again, I put some $$$ down on my mortgage. I did not blow it. My sister-in-law put zero down on her mortgage or on their SUV.