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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 those wondering, yes, it is league-wide: fans at NFL games this season will be required to wear face coverings pic.twitter.com/D139KGKQ4r— Brian McCarthy (@NFLprguy) July 22, 2020 191

Former Gov. Deval Patrick has decided not to run for president and plans to announce his decision soon, a source close to the Massachusetts Democrat tells CNN.Patrick, a two-term governor and close ally to former President Barack Obama, had been considering a 2020 run after entering the private sector and taking a job at Bain Capital in 2015. He had upped his political involvement ahead of the 2018 midterms -- endorsing candidates in South Carolina, Texas, New Jersey and a handful of other states -- leading many to believe he was going to jump into the race.Patrick, despite the speculation that he was going to run, had repeatedly acknowledged the enormity of the decision."It's on my radar screen," Patrick told a public radio station in Kansas City during the midterms, adding that "it's a huge decision.""I am trying to think through 2020," Patrick said. "And that's a decision I'm trying to think through from a personal and family point of view."Patrick also expressed concerns about standing out in what is expected to be a wide-open Democratic field."It's hard to see how you even get noticed in such a big, broad field without being shrill, sensational or a celebrity," Patrick told David Axelrod, a former top Obama adviser, in September. "And I'm none of those things and I'm never going to be any of those things."A spokesman for Patrick declined to comment on the governor's decision not to run for President, which was first reported by Politico.Patrick has been receiving private support from many of the same aides and advisers who helped Obama vault into the White House in 2008."Deval would make an outstanding President," Valerie Jarrett, Obama's former senior adviser, told the New Yorker in November. "President Obama and Deval are very much alike in terms of their core values, what drove them into public service, their willingness to lend a hand, the responsibility to give back." 1918

FRESNO, Calif. -- A Fresno firefighter is mourning the loss of his wife after she died shortly after giving birth to twins.Nick Reeder says his wife Amanda gave birth to two healthy twins last Monday when things took a turn for the worst, according to ABC30.After meeting her newborn twins, Amanda passed out. Doctors say an aneurysm quickly took her life.Reeder says he wants to share his story to let people know it could happen to anyone, even healthy mothers, and to share his story about the woman he calls the love of his life.As of Monday afternoon, a GoFundMe set up to help support the family has surpassed its ,000 goal. 641

Former President Barack Obama said Wednesday there are no practical benefits to a bill Republicans are considering to replace the Affordable Care Act.Speaking in New York, Obama said the bill would increase costs and strip coverage from vulnerable Americans."When I see people trying to undo that hard-won progress, for the 50th or 60th time, with bills that will raise costs, reduce coverage and roll back protections for older Americans and people with pre-existing conditions ... it is aggravating," Obama said during an event sponsored by the Bill and Melinda Gates Foundation. 589

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