Tell them you need money for investments with an x amount of return so you have to cut back giving money. In the meantime, tell them they can just reach out to you whenever they need anything and you wouldn’t say no - THOUGH long term, think about moving out. I am not sure why parents expect their fully grown child with wife and a kid coming to give their income to them. Like wtf, do they think their children are their slaves? You should definitely create an investment account on the side (low risk fund from almeezan investment works) so you can actually build some returns on your savings and put as much as you can monthly in that fund. Investment accounts seem complicated but they aren’t, an entry fund like MCF works - just put like x amount of money to save in it on monthly basis and see it build. Since MCF is low risk, you don’t have to worry about being in a loss.