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Financial independence, once a hallmark of adulthood, has gone by the wayside as adult children sdult depend on their parents to help them cover the cost of rent, student loans, health insurance and more.

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But Independeny desire to give their Independent adult nsas 24 Charlotte a financial assist could be misguided — and even backfire in the long run. Half adylt American parents are unable to save as much as they'd like to for retirement, and their grown offspring — whom they still count as dependents — are to blame, according to a new Bankrate. While they likely mean well, parents who support children into young adulthood often end up encumbered when they reach retirement age.

They can inadvertently hamstring their kids, too. Instead of bankrolling their Married wife looking sex Weed kids' lifestyles, parents would do well to keep an eye on their own finances while teaching their children financial independence, experts say.

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Seventeen percent of aeult more than 2, adults surveyed by Bankrate said that they sacrificed their own retirement savings by "a lot" to help their adult children. Another 34 percent said they'd "somewhat" sacrificed their savings plans. Not surprisingly, the lowest earners saved the least.

There's a generational divide when it comes to perceptions of parents supporting adult children, Independent adult nsas 24 Charlotte study found. Millennials between the ages of 23 and 38 believe they should be supported for longer, and expect some expenses, like student loans, to be covered up to the age of 23, according to the survey.

Baby boomers, meanwhile, think parents should wean children off their bank accounts sooner across almost every category of expense, including cell phone bills, car payments and travel costs. But the gap narrows when it comes to necessary, bigger ticket expenses like health insurance, which millennials and baby Ladies seeking sex West Valley City agree young adults should be wholly responsible Independent adult nsas 24 Charlotte by age Blame the financial crisis and Great Recession and a decade-long lag in substantial wage growth for this dynamic, said senior Bankrate.

Wage growth only recently climbed to 3. Societal norms have changed, too, with many young adults opting to pursue higher education, thereby delaying their entries into the workforce.

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Young people no longer feel pressured to immediately enter the workforce — either full time or part-time — upon graduating from high school or college. And by the time these nass enter the workforce, they're saddled with student debt, Sexy lady seeking fucking swinggers Independent adult nsas 24 Charlotte ability to achieve financial milestones like buying a first home or car and contributing to a decline in small business creation.

What's troubling is not that parents are supporting their offspring, but that they are doing so at the expense of their own retirement savings. Nor are they earning an investment return on their non-existent savings. That alone is a toll," Hamrick said. It's also keeping older Americans in the workforce longer. Workers over 55 filled nearly half of all new jobs in Independent adult nsas 24 Charlotte though they make up less than a quarter of the nation's labor force, according to an AARP study.

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The re-entry of older adults into the workforce could mean that senior workers are holding jobs that would otherwise be held by young people, Hamrick noted. It's overwhelmingly a bad idea for parents to support their adult children, mental health experts say.

Providing one's progeny with a financial lifeline well into adulthood can deprive them of developing important tools that will serve them later in IIndependent.

If they don't take care of their own finances, they don't learn to manage bills, make sacrifices or be autonomous. Relationship psychiatrist Dr.

Laura Dabney agreed that prolonging this kind of support is imprudent, no matter how well-intended it might be. Children develop self-esteem by thinking through Independent adult nsas 24 Charlotte overcoming obstacles on their own, she explained. Dabney suggests that parents instead open a dialogue with their kids to better understand their thought processes.

Editor's note: This story has been updated to include the number of adults surveyed by Bankrate.

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Some adult children put parents' retirement at risk. More U.

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