Are your kids funding your retirement?

Good afternoon. Ask three families about their finances and you'll hear three different stories. Ask what actually went wrong, and you'll often hear the same one: nobody planned far enough ahead. Here's how to be the exception.

On The Money Today:

Let's get into it.

Boomers divorce more than any other generation, and few realize that retiring early during a split can quietly shrink both Social Security and alimony. Skip the paperwork most people never think of, and you could lose money you're legally owed. Women are hit hardest, seeing their standard of living drop 45% after a gray divorce, compared to 21% for men.

Nearly 1 in 5 parents say they'd pause retirement savings to help an adult child move back home. Suze Orman's response: don't you dare. Skipping even a few years of contributions erases decades of compound growth you won't get back. She says there are ways to help without sacrificing your own future, starting with treating retirement savings as non-negotiable.

Nearly 44% of older Americans rely on Social Security alone, and many still carry credit card and auto debt into their 70s. If the math doesn't add up, your own children may quietly end up filling the gap. Financial planners say the warning signs are usually visible years in advance, from housing costs eating half of income to no real plan for long-term care. A clear plan now can spare your family the guesswork later.

The answer is: D) 1 in 3 — about 32.5% of Americans ages 18 to 34 currently live with a parent, according to the latest Census Bureau data, the highest share on record for this age group. Rising rent and home prices are the main drivers, even as more of these adults hold full-time jobs than in past decades.