PenPenWrites

Here's a shocker of a report: Grown children are moving back in with their parents. Not just the 20 somethings who are starting to make their way in the world, but the 40s and even 50s who have been out in the world and on their own. The slumping economy and credit crunch have a lot to do with it. You might say, everything to do with it.

The trend has become notable in the past six months. The grown children who move back in are either single, single-again, laid off from a job, unable to make ends meet with the job they have or hoping a brief time at home at no- or low-cost will help them put together the wherewithal to buy a house or move up in the world. You can read a recent AP story here.

One point the story makes is this: Such moves can be a drain on parental retirement resources, and financial advisers are saying that they have to show their clients–the parents–where to draw the financial line.

It's a point an AARP story makes even when it's younger grown children who move back home. There's a need to plan for it–emotionally as well as fiscally.