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Kiplinger
Kiplinger
Business
Maurie Backman

'Subsidized Adulting': Can You Afford to Help Your Children Financially?

Doug Carey
An older mother serves coffee to her adult daughter and son on a porch. A luxury home is in the background.

Wealth Wise is Kiplinger's advice column on navigating retirement-related dilemmas. Got a question? See below for how to send it to us.

Dear Wealth Wise: I have two grown children. Both were self-sufficient until recently. I'm still working, but my small business income has declined. I had a major home maintenance project and a low-mileage car that was totaled in an accident. My son was laid off from his municipal job and my daughter went back to graduate school. My children need help. What can I afford to give them without overly compromising my income needs? My savings are modest and I'm afraid I'll run out of money. My home is worth $700,000 and I had hoped it would be a legacy vacation home for my family. — The Perfect Storm

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