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PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Family Harmony and Holidays: The stress is baked in

10/18/2022

The holidays are coming. Maybe you've been distracted by the disastrous hurricanes or the sudden outbreak of winter weather. But Thanksgiving is not that far away. That dinner often sits on the back burner because, unlike multi-generational family get-togethers around Christmas, it's supposedly free of stress and anxiety.

Don't you believe it! Thanksgiving may not mean gift-giving and big get-togethers at grandma's house; it may not have religious overtones or problems with someone drinking too much eggnog. But it still creates demands on family togetherness.

One friend, whose son and daughter are both married with teenage children, is navigating a path between Thanksgiving "suggestions" from her children. The siblings had a falling out this summer and now their proposals for Thanksgiving dinner, though based on rational reasons, exclude the other one. A compromise has been hammered out: The grandparents (my friend and her spouse) will spend Thanksgiving Thursday dinner with their son, who lives nearby and travel to Boston on Friday to have a second Thanksgiving feast with their daughter and her family. It's not that the compromise is an unreasonable solution. In fact, many of us who can't be in two places at once, have doubled down (doubled up?) on Thanksgiving dinners. We did so last year. For my friend, though, the double dinner makes it clear that the animosity between her children has not cleared up, and that's what's making her miserable about Thanksgiving.

There's another stress that may surface around holiday visits–especially when they include an overnight or two at our house or theirs. Some of our kids may be worried about spending too much time with us! This issue was posed and answered in a New York Times story with the provocative title: Your Mom is destined to annoy you

The column handed out suggestions to help our grown children survive a holiday visit with us. Since visits are a two-way street, here's the "sanity-preserving advice" they're getting that may apply to us as well.

Prepare for your inevitable regression. From our children's persepctive, "It’s not a question of if the regression is going to happen, it’s when."

Our kids are advised to ask themselves where there are "particular topics of conversation or physical places that tend to send your family into a tizzy" and then try to avoid those topics and places.

One solid piece of advice we can act on as well: "if the family dinner table always devolves into chaos, try going out to eat one night and see if it improves relations."

Get ready for parenting criticism. Our adult children–particularly our daughters–are on knife's edge waiting for us to criticize their mothering skills. How grandchildren are being raised is a major trigger for this dynamic.

Our daughters are advised to “try to remind yourself that it feels like criticism, but it is an expression of caring. Your mother just wants everything to go well for you, and she’s trying to help (even if it makes you want to scream into a pillow)."

We are offered advice on how to keep that screaming to a minimum: "Bite your tongue, because even the most benign (to you) suggestion may be perceived as criticism."

Make space for yourself. You will need an escape hatch from time to time.

Our kids are advised to create space in order to "get some emotional distance from your family." This could mean hiding out in the bathroom for 10 minutes to cool down, structuring the length of visits or springing for a hotel rather than staying in our guest room.

What works for them should work for us as well. It's not as though we aren't feeling similar tensions and need breathing room as well. Just don't let that bathroom get too crowded.

Don’t expect change. The holidays are stressful. "There won’t be a magical solution to your family trauma over the holidays."

This is not, our kids are advised–and we are too–"the time to bring up old baggage and expect to work through it."

Forewarned is forearmed. On with the holidays. Let joy be unconfined.

painting: "Concert" by Gerrit von Honthorst
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Togetherness through Technology: Making up for a canceled visit.

09/29/2022

Our bags were packed, boarding passes downloaded and shuttle to the airport confirmed. The night before we were to leave to visit our son and his family for the weekend, a text arrived. Our DIL just wanted us to know she wouldn't be home when we arrived but our teenage granddaughter would be. Then the long back-and-forth text conversation got underway.

Readers, I won't bore you with the details, but our DIL, an only child, has a lot of "sandwich generation" stuff on her plate: A hospitalized aunt (never married; no children) who lost her hearing aids and smartphone; parents (one with cognitive issues) in mid-move to a house near her where there was a "construction" emergency there while it was being readied for their arrival. Nothing was going smoothly for either her aunt or her parents. She assured us we should come; she might be distracted but we were welcome.

We opted not to go, in part because we didn't want to be an additional burden but also because we were weary from a tiring trip the previous weekend. It was the right decision to make. That's what I kept telling myself when the blues over not being able to hug our son, grandchild and DIL set in.

That's when technology stepped in to take some of the edge off the disappointment.

We were supposed to watch a soccer game together on my son's big-screen TV. My older granddaughter, a freshman at a small college in the midwest, made the soccer team and the game was available via a link to the college's website. Watching together couldn't happen but we followed the game on our iPad; they watched on their TV and we texted back and forth about every pass and move our granddaughter made while she was in the game. It was almost like being together and being there (except that the players are teeny tiny on an iPad).

That evening, we had a date with the at-home granddaughter who's just starting high school. We FaceTime chatted for almost an hour–what the first week of high school was like, what classes she was taking, what books she was reading, how her ninja classes were going. The leisurely one-on-one chat, with some asides for family commentary, made us feel like we had a good visit with a teenager who, like many kids her age, spends most of their time on their iPhones and in their bedrooms.

The granola I baked to bring to them is in the freezer (old technology). Our bags are unpacked. But so is some of the funk I felt when we had to cancel. That's the upside of technology: It can put us in our children's homes, virtually and for a moment. It's not as warm as a hug but it's not as removed as a phone call.

photo credit: Palo Coleman
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Money Matters: Raising cash to help your kids fix up their house

09/21/2022

If I were to survey my friends and their friends, I'm pretty sure I would find that almost all of us who could afford it helped our grown kids buy their first home. As a generational trend, it's kind of what we did and do. For some of us, the help is a loan and we expect to be repaid. For others, whatever chunk of the downpayment we give them is a gift, no strings attached beyond an expectation of a few invites to dinner.

But what happens when we retire and feel less flush–especially today as the financial markets are eating away at our savings. Our kids may already own a house but may need substantial help to update or add on to it–for a growing family or even for a suite for us.

Should we tap our IRA to help them out? Or just say no? For one set of parents whose daughter needed a loan to renovate her house, the answer was yes, and with good reason. Once the renovation was complete, they planned to sell their house and move into their daughter's home. They couldn't sell their house to raise money since their daughter and her family were living with them while the renovation is underway.

So, how to finance the help for a daughter who's very much part of their future living arrangement? The parents wrote to a Washington Post real estate columnist to ask whether they should tap their IRA for the $300,000 to lend their daughter or if there is a better way to borrow to finance the renovation, which is slated to take about a year. The parents plan to use the proceeds from the eventual sale of their home to boost their retirement account or pay off any loan they may incur.

Using IRA funds may be the simplest way to tap into money–interest-free cash! no closing costs! no bank fees! But it would be the worst of all possible options. Withdrawing such a large amount from an IRA would trigger a huge tax bill.

The columnist suggested other options. Here are the nuts and bolts of two options: A cash-out refinance of the parent's house would raise money but it would incur interest rates (ever-rising) and upfront fees. A home equity line of credit wouldn't raise quite as much money as a refinance could but would probably mean higher interest rates on the loan–though lower fees/closing costs. The interest rates might not be that much of a factor–if the renovation is finished on time and the parents can sell their house quickly to repay the loan.

Which is a long way of saying, our helping hand is a riskier business than ever.

(BTW: If you want to know more details on how the relative costs of the refinance versus home equity line of credit might work out, check this link to the Post story.)

art: Rauschenberg, Third Time
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Are We Still the Boss? Experts have their say on the wisdom of being advisors to our adult children

09/15/2022

Best if we had started when our kids were teens but it's never too late to remember that we have moved from being the boss of them to being consultants to our grown children–even as it's hard to act on that in the heat of a "moment."

This is what Amy Joyce wrote about in one of her On Parenting columns in the Washington Post. Her topic was more precise: It was about parenting teens and how to go about transitioning away from the boss model. She focused on the science-based research of Stixrud and Johnson in their book “What Do You Say? How to Talk With Kids to Build Motivation, Stress Tolerance and a Happy Home.”

Stixrud and Johnson underscore the importance of resisting the urge to solve a teen's problems. This holding back can help kids take responsibility for their decisions and thereby let them grow into independent adults. Those adults can in turn look to their parents for advice. They won't need us to tell them what to do. Stixrud and Johnson point out that the stakes during these teen years are high:

"We need to remind ourselves that we’re going to have a relationship with our kids when they are adults longer than we ever did when they were children."

Naturally, the same need to resist problem-solving goes for when our children are fully grown adults. Not that it's easy to keep our views and advice to ourselves, as suggested in this letter to Carolyn Hax from a mother about her 40-year-old son.

The son, who lives in a city 900 miles away from his parents, called to tell them that he is getting divorced. The writer is surprised that the marriage has turned sour and that her son (the father of two young children) is in love with someone other than his wife. The mother/grandmother is "horrified by his behavior" and wants to tell her son how far short he has fallen "in becoming the person" she raised him to be. She wants to, in effect, be the boss and let him know his decision is wrong, that she doesn't approve and he should make things right–or else. The "or else," is that she refuses to meet the "other" woman.

Hax's advice circles back to the ideas spelled out by Stixrud-Johnson. So if we needed one more reminder of the dangers of being bossy, here's how Hax puts it:

"At this stage in all your lives, "parent" is your title but not your job."

credit: painting by Picasso
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Money Matters: When our heirs get ahead of themselves (and us).

09/07/2022

We have an elderly cousin. He never married and lives alone in a Park Avenue apartment where the walls are lined with old paintings that may or may not be worth a small fortune. His closest relatives (besides us and some second cousins) are two nephews. One of them has struggled financially, and our cousin helped his nephew when he was in crisis a decade ago. Now the nephew has called his uncle and asked for help again, only this time he framed his request as "an advance on my inheritance."

Our cousin was shocked, hurt and angry–at the presumption of inheritance and because this was his nephew's first contact with him in more than a year.

Maybe because this happened within our family, we–the editorial we that is– weren't surprised to read a similar case of entitlement in a Social Qs. This time, it was a grown-up grandson. The grandmother had invited the family, including the grandson and his wife, on an all-expenses-paid cruise to Alaska. The grandson couldn't make it–he and his wife are expecting a baby soon. But the grandson didn't just send his regrets. He asked his grandmother for a cash gift equal to what she would have spent on him to join the family trip. He suggested she donate the money to the baby's college fund.

"I am stunned," the grandmother writes to Philip Galanes. "I was happy to help them with wedding expenses and part of the down payment on their first home. But I told him this is not how life works. Was I wrong?"

Before I share Galanes' wise answer to the stunned grandma, I'll let off a little steam. What is it with this sense of entitlement to a parent, grandparent or uncle's "fortune" before they have closed out their lives? If a close family member has a financial emergency, why not make the case for a loan, preferably with a payback schedule? Okay. Steam vented.

Galanes was not sympathetic to the grandson's request."You know it's bad when I'm shocked," he wrote.

"I see two ways of reading your grandson’s nervy request: He may be an entitled young man who has grown too comfortable counting your money as his. Or — and this requires some compassion — freaked out by the pending responsibilities of parenthood, he might have made a silly cash grab.

In either event, you were right to refuse him. Your generous offer to spring for a family vacation does not oblige you to make compensatory payments to those who are unable to attend. I would have a follow-up conversation with your grandson to clear the air.

…Tell him he is not entitled to your money and your invitations do not include an option to collect their cash value instead.

But that's not all Galanes had to say:

Let him know, too, that his behavior was hurtful, and risked making you feel like a walking ATM.

Which is exactly how our cousin felt. And why he's taken his ATM out of service.

painting: Marius van Reymerswaelle
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Grandparent Interference: Mind the intergenerational gap and the boundaries our children set for us

08/26/2022

Are our adult children too tough about what their children can and cannot eat or drink? It's especially annoying when we are guilt-tripped out of offering them our just-baked chocolate chip muffins or handing them a cold, individual box of apple juice. We have been asked not to provide such malnourishment. So we offer what's allowed–or we cheat and indulge our grandkids.

It's not easy being a grandparent. Nor, evidently, is it easy being a parent with parents who don't mind the boundaries they have set for us. A NYTimes article painted the dilemma our children face this way:

"Parenting can often feel like trying to survive amid barely controlled chaos, so having a wise, experienced grandparent to help out can be lifesaving. But if that grandparent has trouble adhering to basic boundaries, it can feel as if the chaos has maddeningly multiplied."

The list of prime triggers for this maddening multiplication starts with religious practices and goes on to include disciplinary styles, technology and diet.

The article has a quote from a clinical psychologist who has a name for some of us. To wit,

“I would place ‘intrusive grandparents’ in the general category of challenges that adults and couples face in managing relationships with their respective families of origin, and with parents in particular.”

The article is aimed at advising our adult children on how they can kindly, gently but effectively deal with the 'intrusive grandparent.' One point of that advice contains a nugget of truth–a reminder–for all of us, even those of us who tiptoe politely around the boundaries our children have set for us.

"Bear in mind that child-rearing advice often changes from one generation to the next, so there are bound to be some ideas that a grandparent subscribes to — most likely ones that you were raised with — that you find outdated now."

I'll close out this post with an important, feel-good nugget from the article:

“Grandparent love and knowledge is essential to a child’s self-esteem and self-identity. They need to see themselves as part of something larger than their parents. They need to find their place and feel part of a family that has a history.”

art: Rauschenberg
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

What if we don’t like the way our children parent their children? Part 2

08/17/2022

A few weeks ago, I posted an observation from Meghan Leahy on the limits we should impose on ourselves. That is, we should not offer our adult children advice on parenting their children–unless they've asked us for it. In that post, a grandmother was concerned about the chaos of her grandchildren's bedtime. In this post, it's mealtime issues and a 2-year-old's tantrums. Like the grandparent upset about bedtime routines, the mealtime-worried grandmother is dealing with an adult child whose marriage is falling apart.

So here's Megan Leahy again, this time in answer to a grandmother concerned about the way her son is handling his 2- and 5-year old children. The grandmother has an up-close view of the family dynamic because her son is getting a divorce and has moved into her and her husband's home where, a few days a week, he has custody of and takes care of his two small children. The grandmother complains about the son's lack of parental discipline at mealtimes–he allows the 2-year-old to have ice cream before dinner or an ice pop for breakfast. The grandmother cannot abide the way this small child throws tantrums "to get her way, and her dad always gives in." She has been holding her tongue but says it's getting increasingly hard to do so. Here's Meghan to the rescue:

"I can feel your grandparenting (and parenting) frustration loud and clear. Many of us have been in situations where we want to yell, “Just say no to the darn kid!” But we don’t, because we know it could embarrass and undermine the parent, make a bad situation worse, divide loyalties or start a heated disagreement in front of the children. Holding this frustration in is you staying mature. And trust me: Many parents can (and do) lament how their own parents nagged, lectured and shamed their parenting choices. It really is a relationship killer, so good on you for holding your tongue."

Is there a middle ground between telling her son what to do and keeping her lip zipped? Leahy thinks there's room to have her say:

"Because he doesn’t have the kids half the time, maybe you could take him out to dinner and just listen to him. Let him vent about the divorce or single parenting or whatever is on his mind. I could be wrong, but I bet he knows that the ice pops, wasted food and whining aren’t great, but he could be too overwhelmed to see it clearly or know what to do about it. By offering a compassionate, nonjudgmental ear, you free your son to put down his burdens for a bit, and when people do that, they are more likely to find the courage to do something different."

Leahy acknowledges that these parenting "mistakes" are unfolding under the grandmother's roof, and doesn't that give her a say in how to deal with her grandchild's tantrums? Leahy suggests the grandmother make herself scarce when meltdowns are going on.

"Go for a walk with a friend, go to another floor or put on some headphones. Do anything to make yourself feel less provoked.

Some people may read this and feel affronted: “It is their house, and the grandparent needs to hide?” Well, yes and no. I am suggesting that judging, critiquing and losing your cool in the moment are not going to work out well for any relationship in the house. Instead, stay out of it (in the moment), and find another way to support your son. You can keep your boundaries, just don’t do it during the tantrum or while eating."

painting: Renoir
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Leaving a Legacy: Passing on the passwords and other digital conundrums

08/10/2022

Pity our poor adult children. When they meet the love of their life and decide to commit to each other, they face an ordeal we didn't: Whether to and how to merge digital accounts. If newlyweds decide to save money by using one Spotify account–rather than each having his/her own–will Spotify's algorithms let one person's Latin beats seep into the other's country music vibe?

Well, that's their problem to solve. But we play a role in some of their other digital account mergers. A son may be using our Netflix account while his bride may be using her parents' password. Do we kick him off? Should they elect to leave their home bases and start a new account that's their own?

Hitting even closer to home: Many of us still carry our grown children on our cellphone family plan. Do we kick them off once they marry or are in a committed relationship? Shouldn't they start a cellphone plan of their own? After all, one day they may be putting their own children on a cellphone family plan.

There is one digital issue that affects us more directly: How do we keep passwords to our financial accounts to ourselves and yet make sure, as a matter of estate planning, that our heirs have access to them?

One expert Erin Lowry, put it this way in a Washington Post story,

"It can be painful to talk about estate planning, …but if one partner dies, the other will need access to important digital accounts. Adopt some sort of password manager, choose beneficiaries and set up “transfer on death” designations for your primary accounts. Even Facebook has legacy contacts who can access accounts if the holder dies."

Now that I've put that excellent advice into a blog post, how long is it going to take me to act on it? Don't ask!

photo: Maia Lemov
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Observation: Meghan Leahy on parenting and grandparenting 101.

08/03/2022

Are we ever 100 percent pleased with the way our kids are bringing up their kids? There's always something we think they're getting wrong. That's what's behind Meghan Leahy's observation on our role as parents of adult children and as grandparents within their family dynamic. (Her comments are in answer to a grandmother who is spending the summer with her daughter's family and is worried about her grandchildren's chaotic bedtime routine.)

"Your daughter and grandchildren are very fortunate to have you for the summer. The most hopeful statement in this letter is, “My plan in being here was to help my daughter and accept things as they are, and to establish a trusting relationship with the children.” That is a worthy goal, and if you can do that in your time there, that’s enough. In fact, accepting things as they are is one of the most powerful ideas a person can aspire to: to not be feckless, but to understand how little we have control over. Keeping a stance of humility is the best way to be of true assistance. You won’t force your notions, opinions or judgments upon your daughter and grandchildren, and instead will be of true service.

painting:Renoir
PARENTING GROWN CHILDREN: The children may be grown but we still have our issues.

Money Matters: Can we control the gifts rich relatives give our kids?

07/27/2022

We're a protective species. When it comes to our kids, we want fair play in all things, even when it's only a matter of gifts from family members. Or maybe I should say, especially when it's gifts from family members and even more especially when those relatives happen to be rich. We may not want them to give our kids hefty high school or college graduation checks for fear of our kids feeling "entitled." Or we may appreciate their being generous but we want them to be even-handed–making as big a fuss over one child as the next. (I posted on this issue here.)

Beyond fairness, we may have high expectations that a wealthy uncle or sister will shower our child with a lavish wedding gift when that child marries, a gift that might help set them up in life.

That was the issue raised in Social Qs. The complaint a mother of the bride sent to Philip Galanes was straightforward:

My daughter got married last month…My sister and her husband came with their two children. They are extremely wealthy — like, flying-on-private-jets-to-expensive-vacation-homes wealthy! (We are not.) I assumed they would give my daughter a generous cash gift to be used as an eventual down payment on a home. Instead, they gave her five place settings from her gift registry that cost $500. I am hurt and angry about their lack of generosity. My mother thinks I should talk to my sister about this so it doesn’t affect our relationship. Your thoughts?

It will come as no surprise to anyone who follows Social Qs that Galanes sees the situation through a different prism. He reminds the mother of the bride that she is not entitled to "commandeer other people's money."

Galanes then adds a sound observation and solid piece of advice:

"Where I come from, $500 is not a chintzy wedding gift. And you didn’t say anything about your daughter’s relationship with her aunt and uncle. So I disagree with your mother for now: Don’t talk to your sister about her gift until you have made peace with the fact that it was hers to give."

photo credit: Maia Lemov