Re: A moral dilemma
My answer would be, "I'm sorry, I'd rather not right now."
And then if I felt generous I might surprise her with some furniture for her birthday or mother's day.
If she pressured me, which my mother would NEVER DO lucky me, I'd let her know that "I have a responsibility to my self to pay my taxes and my future self fund my retirement and to my current/ future family to care for their needs and that I'm sorry, but new furniture isn't a need, it's a luxury, and would you like to go out to dinner with me on Thursday, Mom? And I love you and did you like your Christmas gift I gave you that I put a lot of thought into?"
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