Not sure if your parents would have let you stay this long without contributing.Your roommate (or his mother) have decided to remodel the bathroom.

Bought my first property with none of my own money... my parents loaned me the down payment!!!

My parents tell me now is not the time to buy and I should educate myself first.

My parents bought a membership and saved a bundle when they were building their house in Georgetown.

Now that 4 years have passed....I have paid over $140,000 in hmortgage payemtns and reduced principal less than $10,000; landscaped for hundreds and hundreds of hours planting/nurturing 96 bushes, hedges and trees; given my 8 year old granddaughter her "own room" as an anchor that she still needs through her parents' turbulent divorce, yet live like a pauper, and work and worry to illness and exhaustion, I just wonder what in the heck I could do to just have a half way decent quality of life, with a home, and some normalcy.

(He is a close friend - I do not recommend letting tenants work for you).If he works in exchange for rent, does anyone know if he is classified as an "employee" and thus subject to FICA tax withholding, workers comp, or industrial insurance (L&I in Washington State)?

That's why we have bridges to nowhere.Tim, the idea of eliminating withholding is GREAT.

Your first protection should be through asset protection using corps, LLCs, and trusts.Your parent company should hold 0 assets only capital.

And one can definitely make the case that they do not deserve the wealth and merely got lucky.But if you look at it from the parent's perspective, it is an issue of freedom.

I would recommend the following.1) Secured major CC's.2) Store Cards with Low Limits3) If its a trustworthy person, perhaps being add as an AU (Authorized User) on a parent CC.