PenPenWrites

parenting blog, memoir notes, family punchlines & more

© Penelope Lemov and Parenting Grown Children, 2025. Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given.

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

    They're moving home again. Sixty percent of young adults move back home–staying for no one knows how long.  The rules of the house that worked so well when they were youngsters don't quite apply now. So how do you work things out? Do you ask them to pay rent, lay down cleaning and cooking rules? Do you still wash
    their socks?

    I found some pointers recently on how to manage the move-back so that everyone remains on speaking and civil-living terms. The advice sheet notes that happy “re-filled" families tend to have several things in common. Here they are in brief:

    Set limits: Talk about how long the live-in arrangement will be: three weeks, three months, a year? And define mutual expectations for house rules and responsibilities.

    Set Goals: Talk frankly about the reasons, financial or
    otherwise, behind this new living arrangement, and lay plans for the
    transition back to independence.

    Discuss Rent: Some families start at one rate. Then, as an incentive for their child
    to move out, they raise the monthly rent a predetermined amount as the
    months tick by. Others charge rent, but set the money aside and present
    it as a nest egg when their child is ready to move on.

    Set Chores: Whether it’s in lieu of rent or in addition, include
    household chores–making dinner twice a week, for example, buying
    groceries, doing laundry or yard work.

    Discuss Guests and Booze: It's unrealistic to set curfews
    for a fully-grown, independent adult, but you can discuss and
    agree on a set of household rules, particularly on
    hot-button issues such as late night or overnight guests,
    relationships, and alcohol or other substance issues.

    Make a Contract: Whatever the plan,
    whether it’s rent, chores or household rules, spell it out beforehand and put it in writing.

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

    We all have our markers for recognizing that our children have grown up and left the nest–taken that giant step into independence. I don't mean when they leave for college, although that's usually the first most common step along the way. I mean a way of noting that great big void in our lives. In families where the high school kids were active on athletic teams, it may be the freeing up of Saturday mornings–or the emptiness of a day without a soccer or basketball or baseball game to attend. Or the stillness of the house when you turn the key in the lock and there's no music bouncing off the walls and singing through every inch of the house.

    I just read a moving take on The Moment in a Michelle Slatalla column in the New York Times. It came when she went up to her daughter's room to clean it up–this, after her daughter returned to college after winter break of her sophomore year. "I felt a wave of nostalgia wash over me," she writes. "Everybody makes a fuss when you send a child off to college for the first time. You're expected to feel pangs when you separate from a freshman." But, she goes on to write, "waving goodbye at the end of sophomore winter break turns out to be much harder." It is, she explains, the realization that as time goes by her daughter would start to "come home for shorter periods and call home less often, and that the center of gravity of her life has shifted away."

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

    Anger, joy, anxiety, dread, excitement. Those are some of the up and down emotions you may be dealing with when you find out your grown child is about to reclaim his or her room in your house. The stats suggest you are not alone–in feeling this way or in dealing with this fact of life: An online poll by CollegeGrad.com found that 77 percent of new college alums had moved home in 2008–a 10 percent jump in just two years. And those stays may be longer and grow in number until the economy kick-starts itself into a growth mode.

    For those facing the move-back-home trend, there's an "Are You Ready for a Refilled Nest?" quiz on this site. But ready or not, you may have to clear your junk out of their room and get ready to share your home with your kids again.

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

    The 401k is melting; retirement seems further away than ever. And then there are the needs of our not-quite-independent adult children. They've got their college debts, the difficulty in finding a job in this economy. They may move back home–as an affordability measure. And, of course, all those hurts hurt us. We want to help. We want to open our wallets and ease the way.

    But sometimes we shouldn't. Or can't. For those debating whether to help or not, there's this tip from an expert on young adults:

    Don't coddle them. Gifts of money, time, and assistance
    should be reserved for times of need or special achievement; otherwise,
    young adults fail to develop self-reliance skills that will help them
    navigate life's choppy waters. Then, when parental support dries up,
    they become frustrated failures. Give help when it's critical but don't
    overdo it.

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

    Many of us who have grown children have been hit hard financially by the economic crisis. Money we thought we'd have to live comfortably on and still help out our adult children is gone. Is that changing our relationship with our adult children? Some of us may be worried about becoming dependent on them, or that they'll be dependent on us and we won't have the wherewithal to help.Or we jsut feel so bad about what's happening that we take it out on the grown kids, as one financial adviser noted recently.

    Friends who used their second homes as vacation retreats for their children are having to sell those homes. May not sound like the worst crisis in the world, but it means the loss of a family gathering place and a familiar setting–one that may date back to their children's childhood–for their grandchildren to spend idle weeks of summer.

    Friends who had planned to help their children buy a home are finding they don't have the cash to help out with the down payment. Or to pay off college loads. Again, it may not sound like a terrible crisis, but the loss of power–of still being the Big Daddy or Momma–are palpable. So many of us want to make life easier for our children, and this fiscal crisis is playing havoc with that plan. Maybe this is healthy–maybe some of us coddled our children. But a lot of us didn't. We just took great enjoyment from using the money we'd earned and saved over a lifetime to make our children's lives easier. And for many of us, that ability is gone.

    How are you coping with fiscal losses? Is it affecting your relationship with your grown children? Or your own feelings about yourself vis a vis those children?

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

    I don't mean to be repetitious. It's just that the reality is all around us and everyone is feeling it: $3 trillion has seeped out and disappeared fromour 401ks and other savings or retirement accounts. For many of us, that loss wipes out money we had hoped would cover a downpayment for our kids' first house, their college or graduate school tuition, or tide-over money while they made their way through grad school or their first (low-paying) job. And, of course, our kids are scrambling to stay on their feet, knowing the safety net they had assumed was there is, well, not.

    Not a good feeling. Here's a little statistical meat to back that up: 

    Stat one: Nearly a decade ago, the Center on Wealth and Philanthropy estimated that the U.S. was on the verge of the largest inter-generational wealth transfer in history—$41 trillion, with about half if that dough being passed on while the benefactors were still alive.

    Stat two: A recent Boston College study estimates that as many as 30 percent of older households are less secure in retirement as a result of the decline in housing values.

    The disappearance of a sizable chunk of our generation’s money and security has left many of us resetting priorities–particularly when it comes to spending. Vacations are the first thing that seems to get downgraded. One friend reports: We've canceled the three-week trip to India; we're renting a beach house and inviting the grown kids to join us. We hope they'll suggest chipping in. We'll take them up on it if they do. 

    What sort of trade-offs or steps are you taking to adjust to recent losses and keep what's left of your nest egg in tact? Have you changed your retirement plans? Travel plans? Spending patterns? Has it affected your ability to help your kids?

    Not happy thoughts. But sharing ideas can help.

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

    For many of us, gone are the days when we could open our wallets with ease and help our grown children when they were in need–paying off a college loan, helping with the down payment on a house or even defraying everyday living expenses. Now our 401ks are half of what they were, the value of our homes has shrunk. Our personal sense of wealth is melting away. And yet the kids still have needs–needs we want to fill. Not just to ease their way but because right now it may be tougher for them at the beginning of their careers than it is for us at the tail end of ours.

    It appears to be the same rough go for the Brits. A recent study by Scottish Widows (must find the origins of that name!) found that adult children were sapping their parents and
    grandparents
    of large amounts of money, forcing them to cut back on daily
    spending and to take on more debt.

    The research showed that one in six of those parents who have given money to
    their children have increased their own levels of debt, while one in ten
    have had to put a stop to any kind of savings of their own in order to fund
    their children. Moreover, nearly a quarter of adult children or grandchildren are using or have used
    parental handouts to fund their day-to-day living expenses or spending
    money. Over a third needed the money to pay off debt, and 30 per cent needed the cash
    for a house purchase.

    Here's one other point from the research: Of the 6,000 adults surveyed, almost
    half of those that have already given money
    to their children expect to dig deeper and
    give them more in future.

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

    We are not just our parents all over again. We rule. The majority of families in the U.S. today do not have young children at home, according
    to a the most recent population survey by the U.S. Census Bureau. Compare that with our parents' generation: In
    the early 1960s, almost 60 percent of families had children younger
    than 18 living at home; that percentage has now dropped to 46 percent. Go back even further in time: In 1880, 75 percent of
    couples in the U.S. had children at home.

    The implications for us–we parents of grown children–are enormous. In a recent column, Abigail Trafford looked at the impact of those population stats on marriage. "After the traditional tasks of child-rearing
    are completed," she writes, "the main agenda for gray marriage is mutual
    satisfaction. Couples who have been together for decades have usually
    learned how to resolve conflicts. But that is not enough. What predicts
    happiness for older couples is the presence of positive elements: joy,
    playfulness, humor, adventure, caring, empathy and common interests."

      I would add to that our relationship with our children who are no longer young or being reared. We still have a relationship with them that can affect, as it did when they lived at home, our marriage [when our kids went off to college, i was struck by how many fewer arguments paterfamilias and I had] and our sense of well-being. There's an old aphorism: "You're only as happy as your unhappiest child." And that still holds true, even when they've moved out and on with their lives. Given the longevity stats that are in our favor, we will probably get to "enjoy" those grown children longer than our parents got to "enjoy" us.

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

    The 401k is melting; retirement seems further away than ever. And then there are the needs of our not-quite-independent adult children. They've got their college debts, the difficulty in finding a job in this economy. They may be threatening to move back home–it's an affordability measure. And, of course, all those hurts hurt us. We want to help. We want to ease the way. Here's advice from a neutral party. It's aimed at parents of young adult children:

    5. Don't coddle them. It's typical for each generation to want to make
    life easier for their offspring. Gifts of money, time, and assistance
    should be reserved for times of need or special achievement; otherwise,
    young adults fail to develop self-reliance skills that will help them
    navigate life's choppy waters. Then, when parental support dries up,
    they become frustrated failures. Give help when it's critical but don't
    overdo it.

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

    To lend or not to lend when your grown children face losing their home. Not an easy call–especially if your own fiscal well being is greatly diminished. Here's some general advice on the subject from a Washington Post columnist Michelle Singletary. Singletary is answering a question posed by a sister about saving her brother's house when the brother is an undisciplined spender:

    "If you ask someone to use a cash gift in a certain way, such as for
    college tuition or catching up on a mortgage, the recipient should
    honor your request to the best of their ability. However, once you
    extend a gift, the money or item is no longer yours to control. You
    have to leave it to the person's conscience to do the right thing.

    "Before giving someone thousands of dollars to save a home, you
    should ask to see a written budget and the underlying documentation,
    such as pay stubs, bills, etc. Yes, this is an intrusive demand. Yes, the person or couple might balk, refuse or even cuss you out.

    "But if people are asking for a significant amount of money, they
    need to prove to you that your money won't be wasted. They need to
    prove their financial situation has improved. Or they need to
    demonstrate they are becoming better money managers. Otherwise if you
    bail them out, and a few months later they are behind again on their
    mortgage and the lender forecloses anyway, you've done what your mama
    told you never to do — throw good money after bad.

    "If you're not equipped to help someone establish a budget, then
    require that the person see a qualified credit counselor. Send the
    person or couple to DebtAdvice.org or call 1-800-388-2227.
    DebtAdvice.org is a service provided by the members of the National
    Foundation for Credit Counseling."

    "Even if a friend or family member's foreclosure is looming, don't
    let that person's desperation result in your giving money that in the
    end will just postpone the inevitable. Help if you can, but in a way
    that means your generosity won't be in vain. "