Should You Financially Help Your Adult Children? The Right Way to Do Strategic Gifting

Описание: Should you financially help your adult children — and if so, how much is too much?

In this clip from the Money Matters podcast presented by Allworth Financial, Todd calls in to ask about strategic gifting for children in their 20s. He and his wife help their kids fund Roth IRAs, 401(k)s, and HSAs — not to spoil them, but to give them a long-term financial head start. The big concern? Making sure the help motivates instead of demotivates.

Scott and Pat break down:
-When strategic gifting works — and when it backfires
-How helping with Roth accounts and retirement savings protects long-term goals
-Why matching effort matters more than dollar amounts
-The risks of entitlement and how to avoid them
-Smart ways parents help with first-time home purchases without creating dependency

If you’re approaching retirement and wondering how to support your kids financially without hurting their independence, this conversation will give you clarity and confidence.

LISTEN TO THE FULL EPISODE HERE:    • When Roth Conversions Make Sense—and When ...  

Join Money Matters: Get your most pressing financial questions answered by Allworth's founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. You can also be on the air by emailing Scott and Pat at [email protected].

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