How to talk to your parents about money
与年迈的父母谈论财务状况可能会很复杂. 这里有一些有用的建议,可以帮助你打破僵局,进行富有成效的对话.
54% of adults in the U.S. provide either medical, 对老年人的个人或经济支持, with the majority being their aging parents. 随着父母年龄的增长,与他们谈论财务需求可能会让人感到不舒服, 但你可以考虑在紧急情况下进行这些对话. Prepare yourself with an estate planning checklist 当你和父母谈论金钱的时候,有几个问题要问你自己.
如何有效地进行对话?
试着找一个每个人都感到放松的时间——这可能有助于事情有一个好的开始. 你可以通过分享你自己的遗产规划并征求他们的意见来随意地开始谈话. 这可以打开一扇门,让你更多地了解他们的财务状况,并了解你可以如何提供帮助. 如果你觉得他们目前的财务状况或期望有问题 financial plan, it’s important to make your concerns known, 但是试着从理解和支持的角度出发,不要过于挑剔.
和父母讨论钱会激起不舒服的感觉, 但尽早进行这些对话可以帮助你在父母变老时赡养他们,并提醒你要思考 boosting your own retirement savings.
What topics do you want to cover?
既然你已经考虑过如何与父母谈论金钱, 想想你需要从他们那里得到什么信息. 你可能会想要讨论他们目前的生活费用以及这些费用在未来可能会如何变化. Consider who will be providing care for your parents 并了解他们对护理和其他医疗保健相关选择的偏好. For example:
- Do they have an estate plan in place? Have they considered their digital estate plan?
- 他们是否愿意最终搬到退休社区或其他地方 assisted living facility? 在他们的脑海中,是什么情况导致了这一切?
- How much money do they have in savings? 在目前的情况下,他们的储蓄能维持多久?
- Can you help them with financial tasks such as setting up automatic bill payments?
- 他们是否意识到针对老年人的诈骗,如网络钓鱼或身份盗窃?
- Are they on Medicare and are there any gaps in their coverage?
- Do they have long-term care insurance?
你可能还想讨论一下法律条款,比如他们是否有 estate plan or a living will.
当你开始帮助年迈的父母处理财务问题时,了解一些常见的问题可能是有益的 estate planning mistakes so you can avoid them.