More families are experiencing the Boomerang Generation phenomenon, with adult children moving back home because of housing costs, student debt, career changes, or other life events. Before saying "yes," parents should understand the financial, legal, and retirement planning implications. Richard Rosso & Jonathan McCarty discuss how you can protect your retirement while helping your adult children, including household expenses, setting boundaries, estate planning considerations, and knowing when financial support helps—or hurts. Whether your adult children are moving back temporarily or never left the nest, having a clear plan can preserve both your finances and your family relationships. Subscribe for more insights on retirement planning, investing, personal finance, Social Security, and building long-term financial security. 0:00 INTRO 0:24 - McCarty's Contaminated Gasoline Tale 1:45 - Texas Stock Exchange Opens 3:35 - The Boomerang Generation - why is it happening? 6:00 - Where Younger Generations Want to Live & Financial Independence 9:57 - The Long Term Care Crisis Impact on Children 14:03 - Homebuilders' Response to Shifting Trends (Tiny Homes) 16:35 - Dealing with Lifestyle Creep 18:14 - Planning for Multi-family Living 20:34 - The Associated Costs of Moving Back Home 23:55 - Planning Pragmatically - Defining Purpose and Process 28:14 - Financial Expectations - Spending Tomorrow's Money 30:06 - Empty-nesting again 32:39 - Establishing Household Ground Rules 36:05 - The Long Term Care Dilemma & Care Giving 38:28 - Importance of Reviewing Insurance Needs - What to do with the Stuff 40:22 - Dealing with Tax Implications (Gifting, Home Purchases, etc) 42:01 - The Sibling Imbalances (Roth Conversions) 47:30 - What's the Exit Strategy; Lawnmowers & Socks 50:20 - The Emotional Impacts of Cohabitation 54:04 - Narrative Busters Tease - The Space-X Narrative, AI Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/gXj-QntdhK0?feature=share ------- Watch our previous show, "Q&A Wednesday" https://youtube.com/live/ua-paCoNRwo?feature=share ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #BoomerangGeneration #PersonalFinance #AdultChildren #FamilyFinance