Mom wants me to co-sign on a brand new car - manipulation and guilt
I don't have anyone who has experience with narcissistic people in my life. Hoping to get support, advice, and reassurance.
My mom and I have been living together for a few years now. She wasn't around much during my childhood. She struggled with substance abuse and preferred spending time with her boyfriends over me and my siblings.
Since moving in together, we've had so many issues with her not respecting me, ignoring boundaries, etc.
My sister is an addict and she's homeless. She will occasionally ask to stay with us. I always tell my mom that I don't want her to stay with us because she couch surfs (I worry about bedbugs) and she's emotionally volatile. Not to mention, I work from home and I need to focus.
My mom is on a fixed income. I'm the primary lease holder on our apartment and I pay the majority of the bills. I help my mom out financially every month because she doesn't know how to budget.
She now wants me to help her buy a new car. I told her I'd be willing to pay for a cheap car ($4,000 max) and she can pay me back monthly.
Instead, she wants to finance a 2026 Hyundai. She wants me to help with the down payment and co-sign. I told her that isn't realistic. I'm disabled so she does run errands for me that I'm unable to do. But I don't think that obligates me to help her buy a new, expensive car.
She always tries to manipulate and guilt me. Every time I try to assert a boundary, like with my sister, she says my heart is "bad".
Am I crazy here?
I gave her my old car (when I was still able to drive) and she ran it into the ground. I bought her another cheap car in the past, and I paid off her current car. I've paid for her to take vacations, etc.