u/GuacamoleChipz

I work in the US at a large company...but... . Constant Layoffs. Everywhere. layoffs in our industry and in the company.
So stressful cus if I lose this job idk what I'll do, I've only been at the job 3 years so severance won't be a lot.
I'm living in the USA since 2023 on a work permit, so if I lose my job I'll have 60 days to find another job or else have to move back.

My team is toxic and my manager does nothing, is a massive people pleaser and instead of pushing back on people when they are being jerks he just punts and leaves me in tears and beyond frustrated.
The people I work with treat me disrespectfully and ignore my requests but escalate to my manager if I don't immediately respond to their demands. (He doesn't manage them and is always about making them happy).
For example, I have been asking for review from some stakeholders for a document since January. Today I got a notification that the document was opened. I've been asking regularly for 4 months and it just got opened for the first time today. He just says he'll talk to them but never does.
Another teammate said "maybe they behave this way because you're black". Wonderful.

I'd like to switch teams but the frequent layoffs make me nervous because if I joined another team, maybe I'd be setting myself up to be let go if a layoff happened since I'd be the newest person.

Moreover, I would love to quit the company itself but since I am on a work permit I would need to find another company willing to sponsor the permit, and there's nothing out there that looks promising.

Been trying to chat with people in other teams within the company to network in case something comes up. Demoralizing...for example I found out today one of the teams I was interested in was laid off. The whole team.

Add to that,

I was hoping I could apply for permanent residency (green card)next year but with all the layoffs my odds aren't looking good. Residency based on work permit is hard to get if lots of Americans in your field are unemployed. And now today's announcement says I'll have to leave the US if I want to apply for a green card.

I'm exhausted with the uncertainty. I don't want to move back to Canada, winter was very rough on my mental health and I've still been struggling with depression even in the southern US.
I think this job situation is stressing me out more because I genuinely feel like I don't have much in my life except the ability to provide for myself, I'm 40 F woman of color and I am single and feel very undesirable in the part of the US where I live. And I feel like moving back to Canada is inevitable and I just...ugh.

I was a software developer for 12 years and then I switched to tech writing/devrel where I am now. I've been thinking about going back to dev because of AI And because it'd give me more options to get out of this team.

But...I left software development because I started to get really really overwhelmed with pressure as a developer and I enjoy devrel more. I'm trying to just face facts and started looking at stuff on leetcode but,.I thought I left all that crazy interviewing world behind me. I love writing code, but not for a living. Just feel stuck and kinda spiraling.

Rant over. If you got this far thanks lol.

I, single 40, live in the USA since 2022. My mom came to Canada as an adult and so only qualifies for like 50% of CPP. She's had a tough financial situation and her only hope to retire is to sell her house in mississauga, get about 400K in equity and use that to buy something very small outright. She's 73 and still working.

I have saved for a down payment on a home but I won't be buying a house in the US any time soon since I'm only on a work permit for another 2+ years. So that money is just sitting there, about 200K.

I'm thinking of contributing 50K from my savings towards her new house. It would be an investment for me too. She wouldn't have a mortgage or anything so she could manage better.

What I want to know is, would I be better off, from a tax perspective, making it a private loan to her (all in writing etc)? And if she sells I'd get a percentage of the sale.
Or should I be an official co owner?

I don't want to be an owner because whenever I'm ready to buy a home of my own, being co-owner of my mom's might make it difficult to get a loan.

Or is there a better way to use that 50K to help her out financially on an ongoing basis?

I have no idea how any of these things work, I've always rented..

Thank you in advance!

I, single 40, live in the USA since 2022. My mom came to Canada as an adult and so only qualifies for like 50% of CPP. She's had a tough financial situation and her only hope to retire is to sell her house in mississauga, get about 400K in equity and use that to buy something very small outright. She's 73 and still working.

I have saved for a down payment on a home but I won't be buying a house in the US any time soon since I'm only on a work permit for another 2+ years. So that money is just sitting there, about 200K.

I'm thinking of contributing 50K from my savings towards her new house. It would be an investment for me too. She wouldn't have a mortgage or anything so she could manage better.

What I want to know is, would I be better off, from a tax perspective, making it a private loan to her (all in writing etc)? And if she sells I'd get a percentage of the sale.
Or should I be an official co owner?

I don't want to be an owner because whenever I'm ready to buy a home of my own, being co-owner of my mom's might make it difficult to get a loan.

Or is there a better way to use that 50K to help her out financially on an ongoing basis?

I have no idea how any of these things work, I've always rented..

Thank you in advance!