I have 5 grown step children. The youngest, who is a 23 year old girl, is extremely spoiled. Over the past 5 years that my husband and I have been together she has probably cost us a total of $40,000.00 We are not any where close to being well off, we too live pay cheque to pay cheque and we have a mortgage payment like everyone else. She never pays back when he lends her money either. Last Christmas she borrowed $500 from us, and then early into February she needed to get her car fixed and had her dad drive her to get it, and conveniently forgot her credit card, which made him pay.