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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

Florida lawmakers celebrated the passage of a school safety bill on Wednesday in response to last month's shooting in Parkland. But the bill left some with a new concern.Black and Hispanic Democrats joined civil rights groups in warning that part of the Marjory Stoneman Douglas High School Public Safety Act could have deadly unintended consequences for students of color.The provision establishes a voluntary "guardian" program that allows personnel who meet certain criteria to carry firearms in schools?.Democrats in the Republican-controlled House and Senate fought unsuccessfully to remove the controversial provision from the bill, also known as SB 2076. They argued that minority students -- who are often subject to disproportionate levels of punishment compared to their white counterparts and are more likely to be mistaken for perpetrators -- could become targets."My voice was never heard," lamented Miami-area Democratic Rep. Roy Hardemon. "No one heard our cry."Florida Gov. Rick Scott has been a vocal opponent of arming teachers. But he has not said definitively whether he would veto a bill that includes the provision.NAACP President and CEO Derrick Johnson called the idea of arming teachers "irresponsible." He said he hoped the governor would be more responsible than lawmakers who voted in favor of SB 2076."Our concern is not only black and brown students but all students who could be harmed," Johnson said.Fears of implicit bias 1462

FORT WORTH, Texas -- A baseball coach at Texas Wesleyan University who told a Colorado athlete that the university doesn't accept recruits from Colorado because of past issues with drug tests has been fired.University President Frederick Slabach said in a news conference Thursday morning that Mike Jeffcoat was fired because of the email he sent to the Colorado athlete as well as an unspecified NAIA rule violation."The comments Mike Jeffcoat made are in no way a reflection of our university or its values," Slabach said. "We do not tolerate discrimination."Because of an ongoing investigation, Slabach did not provide any details about the alleged rule violation, only saying it was related to the eligibility of players and not any kind of discrimination.Gavin Bell, a senior at Cherokee Trail High School in Aurora, expressed interest in attending Texas Wesleyan University in the Dallas-Fort Worth area and joining the school's baseball program, but was rejected in an email from Jeffcoat.That email read: "Thanks for the interest in our program. Unfortunately, we are not recruiting players from the state of Colorado. In the past, players have had trouble passing our drug test. We have made a decision to not take a chance on Student-athletes from your state. You can thank your liberal politicians. Best of Luck wherever you decide to play."Texas Wesleyan's baseball program currently has at least one member from Colorado on its roster. 1461

For those wondering if “Jeopardy!” would go on after Alex Trebek’s death, Jeopardy producers confirmed on Monday that the show must go on.Jeopardy executive producer Mike Richards released a statement on Monday saying the show would resume production on November 30. The show will resume with Ken Jennings, a former contestant who was deemed the “Greatest of All Time” in January, as the first to guest host following Trebek’s death. Other guest hosts will be announced in the future.Jennings joined the program at the start of the current season as a consulting producer. Before winning the “Greatest of All Time” series in January, Jennings set a still-standing record of 74 wins in a row in 2004.“Alex believed in the importance of Jeopardy! and always said that he wanted the show to go on after him,” said Richards. “We will honor Alex’s legacy by continuing to produce the game he loved with smart contestants and challenging clues. By bringing in familiar guest hosts for the foreseeable future, our goal is to create a sense of community and continuity for our viewers.”Originally, Jeopardy! said it would have new episodes taped before Trebek's death through December 25. On Monday, the game show said that during the weeks of Dec. 21 and 28, Jeopardy! will air a top 10 of Trebek's past episodes. The final episode filmed before Trebek's death will air January 8. New episodes featuring Jennings will air starting January 11. "There will only ever be one Alex Trebek, but I'm honored to be helping Jeopardy! out with this in January," Jennings tweeted.Trebek died two weeks ago after being diagnosed with stage 4 pancreatic cancer. 1649

Former president Barack Obama is hitting the campaign trail, for his former Vice President, Joe Biden.Obama is heading to Philadelphia on Wednesday, according to the Philadelphia Inquirer.The former president was in Philadelphia in August to deliver an address to the Democratic national Convention from the Museum of the American Revolution.Details of the campaign stop have not been released yet. It will be Obama’s first in-person campaign event for Biden. The former president has participated in digital campaign efforts through the pandemic.He also has been spending 2020 finishing up his presidential memoir, according to NPR, which will be released in November. 677