When Helping Hurts: How to Support Your Kids Without Sabotaging Your Retirement

That Financial Guy

In today’s episode of That Financial Guy Show, I’m diving into one of the hardest conversations in retirement planning:

What do you do when your adult children ask for financial help — but your retirement savings are on the line?

As a parent, wanting to help is natural. But giving away too much money during retirement can derail your financial security, strain relationships, and even lead to financial hardship later in life.

In this episode, I break down:
✅ Why giving too much to adult children is one of the biggest hidden risks to your retirement
✅ How I recommend setting healthy financial boundaries without damaging family relationships
✅ Practical scripts you can use to say “no” with love (and without guilt)
✅ How to create a personal “giving budget” that protects your future
✅ Warning signs of elder financial abuse — and how to recognize and prevent it

If you’re nearing retirement, already retired, or just trying to balance generosity with financial independence, this episode will give you the tools, confidence, and real-world advice you need to protect your hard-earned savings.

Because real love isn’t about endless bailouts — it’s about building a secure future for everyone.

🎧 Tune in now and learn how you can support your family without sacrificing your own retirement security.

And don’t forget to subscribe to That Financial Guy Show for more personal financial strategies, retirement planning advice, and real-world money conversations!

Helping you to be wise with your money!
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