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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

FILE - In this Sept. 12, 2016, file photo, San Francisco 49ers safety Eric Reid (35) and quarterback Colin Kaepernick (7) kneel during the national anthem before an NFL football game against the Los Angeles Rams in Santa Clara, Calif. When Colin Kaepernick took a knee during the national anthem to take a stand against police brutality, racial injustice and social inequality, he was vilified by people who considered it an offense against the country, the flag and the military. Nearly four years later, it seems more people are starting to side with Kaepernick’s peaceful protest and now are calling out those who don’t understand the intent behind his action. (AP Photo/Marcio Jose Sanchez, File) 709

For a limited time you can say #JustMagicalMarshmallows are mine. The magic will peak in the coming weeks!?? pic.twitter.com/MX9SvwM6s4— Lucky Charms (@LuckyCharms) August 24, 2020 188

For millions of Americans, the economic fallout of the coronavirus pandemic could be starting to take shape. Late last week, a 0 per week unemployment supplement expired. Also funding from the Paycheck Protection Program has long been depleted. The program was implemented to help employers make payroll during the pandemic.In addition, data released last week indicated the US GDP declined by one-third in the second quarter of 2020.While Congressional Democrats, Senate Republicans and the White House are largely in agreement on the need for a stimulus, agreeing to a framework remains in question. The two sides are at odds over how much of unemployment should be supplemented by the federal government. There is also a debate on offering businesses liability protection from coronavirus-related lawsuits.“Today we have an emergency,” Pelosi said. “A building is on fire and they're deciding how much water they want to have in the bucket. This is very important. Millions of people could've fallen into poverty without the 600 dollars. They're so fussy about any anecdotal information they might have about somebody not going to work because they make six hundred dollars on this, but so cavalier about big money going to companies that shouldn't really be having it."Treasury Secretary Steven Mnuchin met with Congressional leaders on Saturday."There's clearly a subset of issues where we both agree on very much,” Mnuchin said. “We're very interested in extending un-enhanced unemployment insurance, we're very interested in schools, we're very interested in jobs. I think as you know, as the Leader (Mitch) McConnell has said, liability insurance is very important to us. So there's definitely the PPP, there's a lot of bipartisan support." 1759

For the first time, ever, Hallmark will feature a same-sex couple tying the knot."Wedding Every Weekend" is about two friends who go to four weddings, four weekends in a row. One of the weddings they attend is of a lesbian couple tying the knot.But not everyone is looking forward to the upcoming scripted nuptials.Conservative group One Million Moms created a petition asking for its supporters to boycott the channel. "The once conservative network has recently caved to LGBTQ pressure and has done a one-eighty from the wholesome content the channel once aired, and the network is now catering to the Left," the petition reads. "So many people feel betrayed by Hallmark over these past seven months. Hallmark Channel was one of the remaining channels that families could watch without being bombarded by politically correct commercials and the LGBTQ agenda."Over 60,000 people have signed the petition."Wedding Every Weekend" premieres Saturday at 8 p.m. CT on the Hallmark Channel. 993

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