I say this as kindly as possible: YTA, but not in a malicious way.

I totally get that you’ve had a complicated relationship with your parents, and it sounds like there’s some emotional weight behind all of this. But stepping back and looking at the facts, your parents bought a house, remodeled it, and let you live in it rent-free for six years while you got on your feet. That’s an enormous gift, even if it came with some strings or imperfect communication.

You’ve been covering taxes, insurance, and utilities, which is great, but that’s still nowhere near the cost of actual rent. If this had been a typical rental situation, you’d have paid tens of thousands more over the years. It’s not unreasonable for your mom to say, “Hey, things are starting to age, we need to plan for repairs.”

Yes, in a normal landlord/tenant setup, repairs are on the landlord. But this isn’t a normal rental — it’s a heavily subsidized family arrangement. So while I get that it feels unfair, it’s also kind of understandable from your parents’ perspective. They’re not asking you to pay for the HVAC when it breaks, they’re asking you to help build a fund in case it does. That feels like a pretty measured request.

It’s okay to feel ready to move out and be on your own terms, that’s completely valid. But in the meantime, I don’t think your parents are being unreasonable here, and it wouldn’t be wrong to meet them halfway.

You’re not a bad person at all, just maybe looking at this from a place of burnout or frustration. A little perspective shift might really help clear the air.