You saw a shirt for 97$.

You don't have the cash. So you borrowed 50$ from your mom and 50$ from your Dad.

50 + 50= 100

you bought the shirt, and had 3$ change.
You give your mom a 1$ and your dad 1$ and keep the other dollar for yourself.
You owe your mom 49$ and your dad 49$.

49 + 49= 98+ your 1$= $99
Where is the missing $1?

You saw a shirt for 97$.

You don't have the cash. So you borrowed 50$ from your mom and 50$ from your Dad.

50 + 50= 100

you bought the shirt, and had 3$ change.
You give your mom a 1$ and your dad 1$ and keep the other dollar for yourself.
You owe your mom 49$ and your dad 49$.

49 + 49= 98+ your 1$= $99
Where is the missing $1?

Why are you counting owed money with money you have? Those two are totally different.

This same question ahs been asked at least three other times in the past few weeks, See:

https://www.askmehelpdesk.com/math-sciences/help-me-solve-riddle-676718.html

https://www.askmehelpdesk.com/math-sciences/math-word-problem-doesnt-add-up-681864.html

https://www.askmehelpdesk.com/entertaining/what-answer-riddle-621497.html