Hi All! Hope you are having a fantastic weekend... I'm curious for comments on this exchange between me (my husband copied) and my 20yo SS. Can't wait to hear your thoughts.

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Dear

and I spoke a few weeks back and he mentioned that he was going to let you know that we are doing a "reboot" on our Homeowners and Car Insurance policies as we tighten things up to recover our savings for the last few months. I'm not sure if you've had that talk yet.

You're covered on our family policy until the 26th of this month. Coverage will cease after that. You'll probably want to look into other options before then because it's more expensive to get a policy after the old one has expired.

Thanks,

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SS20's response:

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,

Thank you for the email and sufficient warnings.

However, there is one major concern I have, regarding your tax filings. As of the year 2015 you earned roughly $XYZ USD and received tax deductions and credits while claiming me as a dependent. While I appreciate that you use every opportunity provided to you legally, I must take concern with your tax claims as they do not reflect yours, nor my father's, financial behavior.

Prior to being claimed as a dependent by you, I was afforded by US Federal Aid approximately $18,000 USD annually. Currently, I only receive $6,750 annually as my family contribution is expected to cover the entirety of my living costs.

Under current and previous circumstances, I have been, and am, financially independent from you.

I would appreciate if you refiled your taxes to appropriately reflect your financial decisions.

Thank you,

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After much consternation, a very uncomfortable discussion with my husband and numerous hours with my shrink I responded with:

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Dear

Thanks for your email… wanted to give you as much notice as we could before we were locked into an additional $2400 for another year (the delta between carrying you or not on the policy). Unfortunately, an accident and a speeding ticket had to seal the deal on a change with the rate increase and all. Absolutely no spare liquid cash right now. can go into the detail on the financial situation if he chooses.

On the tax situation, claiming you was your Dad's decision against my suggestion and the advice of a CPA and a tax attorney (originally discussed in 2013 and yearly at tax time since then). has the paper trail on those discussions with the professionals and contact information for our tax attorney. You probably want to do your own research in using her or selecting someone that you think is more qualified. None of these folks are cheap.

The returns will have to match (our amended and your amended) or an audit is likely which isn’t fun for anyone but that’s all up to you. I don't have any time to spend on this but have been advised (repeatedly for years) that not claiming you is in our financial best interest and yours, but out of respect for my Husband we did things his way.

I'm happy to sign the amended 2015 return once it's prepared.

Hope this works out for you.

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Brief comments on my part... the person who prepares our taxes is so popularly awesome at her job you can't even get in to see her without a referral. Every year she runs our taxes in several scenarios (all legal) and lets us choose what's best for the family. My initial response was to tell the ungrateful little punk to f* off. But, upon further discovery I realized this won't likely change anything at all around our taxes, even without my income he would have gotten the same amount of money in scholarships and the kid may see a few hundred bucks from taxes from his coffee shop job which will be far less that someone (NOT ME) will have to pay to re-file.

I did, however take great offense to the tone of his response. We paid for his first two years of school (some of which my husband was unemployed and hadn't saved... so you do the math). The "financial independence" thing is a joke given we paid for school and living expenses. Trying to be the bigger person here but is this kind of communication acceptable? My husband and I haven't even talked about it since I initially received his response and was clearly upset that Dad thought I inspired the email by cutting off his insurance (with much notice, I might add and a decent explanation.

Thoughts?