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Financial fallout from the pandemic is hitting millennials hard — and many will soon turn to their parents for help, if they haven’t already.Before parents ride to the rescue, financial planners urge them to map out a strategy that doesn’t just plug a short-term need but also makes sense in the long run.“Often the heartstrings will get pulled — ‘I really have to help them!’— but it can be detrimental to the parent,” says certified financial planner Jeffrey L. Corliss of Westport, Connecticut.(Of course, financial aid can flow the other way, as many millennials help support their parents. I’m addressing parents here, but most of the advice applies to kids helping their folks as well.)Millennials losing jobs, incomeEven before the pandemic, millennials had lower median incomes, far more debt and a much smaller slice of the nation’s wealth than boomers had at the same age. Millennials — usually defined as those ages 24 to 39 — are more likely than older generations to have lost jobs or household income because of the pandemic, various surveys show.“I’ve already seen clients coming in, worried about their kids,” says CFP Deborah Badillo of Miami. “‘They’re going to lose the house! What can I do to help them?’”Have them explore alternativesEncourage your kids to take full advantage of available financial help before extending yours, Badillo says. They may not know, for example, that unemployment benefits have been dramatically expanded because of the pandemic. Weekly payments are higher and are available to people who normally wouldn’t qualify, including gig workers, the self-employed and people whose hours have been reduced.In addition, there are many more options for people struggling to pay debt. Most mortgages qualify for forbearance programs that allow homeowners to skip payments for up to a year. Hardship programs have been added or expanded by credit card companies and other lenders. Federal student loan payments have been paused until Sept. 30, and income-driven programs can reduce payment amounts after that.Another option is a coronavirus hardship withdrawal, which allows people to tap their IRAs and 401(k)s without penalty if they were physically or financially affected by COVID-19. The withdrawals are taxable, but if the money is paid back within three years those taxes are refundable. Raiding retirement funds isn’t ideal, of course, but your kids have many more years to replenish their retirement savings than you do.Assess your own situationWhile your kids are filing for unemployment and calling their lenders, take a moment to assess your own finances. Where will the cash for your kids come from? It’s one thing to give away money you’ve been saving for a vacation, since you’re unlikely to travel soon anyway. It’s quite another to undermine your own ability to retire or handle a layoff or other setback.Some parents make a conscious decision to operate with a smaller cushion, or to delay their retirements, to help their children, says CFP Lazetta Rainey Braxton in New York. Just keep in mind that you may not get to decide when you retire. Many workers retire earlier than expected, often because of a health problem or job loss. Helping your children now could mean you have to lean on them later, Braxton says. If you’re not sure how this financial aid will impact your future finances, a consultation with a fee-only financial advisor could bring you some clarity.Set some boundariesFinancial planners typically recommend deciding how much to give, and then setting clear boundaries about when the financial help will end. That’s tricky now, of course, because no one knows how long the current economic crisis will last.But parents can still set expectations in other ways, financial planners say. If the child didn’t have an emergency fund, for example, parents can discuss the importance of saving money out of every future paycheck, so the child won’t have to rely on family help again, Braxton says.“Some parents will just put on a Band-Aid and give them money, but they really haven’t helped in terms of their financial capacity,” Braxton says.If an adult child is moving back home, Corliss suggests a written contract outlining chores and responsibilities, such as how soon they’ll be expected to move out after finding a job. A similar end date can be set for any cash the parents hand out. Corliss says the message should be clear: “We expect you to get on your feet as soon as you can.”This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletMortgage Relief Programs for Homeowners Hit by the Coronavirus CrisisWhat Is a Credit Card Hardship Program?Cashing Out a 401(k) Due to COVID-19? Consider These Things FirstLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4841

For students at Jackson Memorial Middle School in Ohio, Tuesday wasn't a normal day. When a seventh-grade student pulled out a gun and shot himself, students began to panic.  Airyonna Haggerty, who is a sixth grader at the school, described the moment teachers told her to get inside the classroom.The 12-year-old heard teachers screaming to get inside the classroom and the next thing she knew, she was hiding and crouching down with her fellow peers near the teacher's desk."I dropped everything. My phone, my chrome book, my book bag and me and my friends ran into the classroom and then we all hid. We were probably there for about 20 minutes," said Haggerty.The principal of the school knocked on the classroom door and told the students and teacher that everyone had to go to another class."We started gathering our stuff and went into the hallway. Then we went to go open the door and it was locked," said Haggerty. "We heard people banging on it so we ran and we got scared."RELATED: Father of Jackson Township student says he put body armor in son's book bag over the weekend7th-grader shoots himself at Jackson Memorial Middle School in Stark County 1192

FREDERICK, Colorado — Family friends of the Watts family say they're dumbfounded, confused, lost.The man who hosted Chris Watts and his little girls for a kid’s birthday party just days before they vanished said Thursday he is still trying to process everything that's happened since.  Jeremy Lindstrom offers a new perspective on who Chris Watts was, before the man allegedly confessed?to murdering his wife and the couple's two daughters.“You know, the hardest part about it all is — when you're closer to the family... is the 'why?'” Lindstrom said. “The why gets bigger."Why did Lindstrom's good friend, Chris, allegedly murder his entire family?"We're dumbfounded,” Lindstrom said Thursday night. “We don't get it. Lost."PHOTOS: Chris Watts arrested, charged for family deathsWhile attending the party at Lindstrom's home, the girls were happy. They were normal. And so was Chris — or so it seemed."He would reach out and help anybody that needed help with anything,” Lindstrom said. “He was a good mechanic if you needed help with your car — he'd help you. If you needed help with furniture, he'd be over there in a heartbeat to help you out. You don't know what, when, why, where or how everything goes weird."And Lindstrom says we may never know, exactly."It's just horrible,” he said. “Why do people do this? Why does it come down to this? There had to have been an easier route." 1437

FORT MYERS, Fla. -- A driver narrowly missed hitting a deputy on a traffic stop Tuesday, instead rolling over their vehicle in an effort to avoid hitting him.The whole crash was caught on dash cam video.On Tuesday afternoon, Eddy Ramos was driving when the rollover happened in front of him.His video shows an SUV in the northbound lanes swerve past the deputy who was stopped on the right shoulder.  The SUV veered left and rolled over across the median, coming to a stop upside down in the southbound lanes.Thankfully the SUV's driver appeared to be uninjured as she climbed out the driver side window.No word on whether any charges were filed. 659

For more on what the potential #LaNina could mean for weather near you check out https://t.co/PvRphQLqJH pic.twitter.com/F2tqh9dryh— NWSCPC (@NWSCPC) July 9, 2020 176

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