如何和父母谈钱
Talking to elderly parents about finances can be complicated. Here are some helpful tips to help you break the ice and have a productive dialogue.
在美国，54%的成年人不喜欢.S. 提供医疗服务, personal or financial support to older adults, 其中大部分是他们年迈的父母. It can be uncomfortable talking with your parents about their financial needs as they grow older, but you might consider having these conversations in case of an emergency. 做好准备。 遗产规划核对表 and a few questions to ask yourself as you approach a conversation about money with your parents.
How do you approach the conversation effectively?
Try to find a time with few distractions when everyone is feeling relaxed — this may help start things off on the right foot. You might initiate the conversation casually by sharing your own 遗产规划s and soliciting their input. This could open the door to learning more about their finances and understanding how you can help. If you feel t在这里 are issues with their current financials or desired 财务计划, 让别人知道你的担忧是很重要的, but try to come from a place of understanding and support and not be overly critical.
Discussing money with your parents can stir up uncomfortable feelings, but having these conversations sooner rather than later can help you support your parents as they age and serves as a reminder to think about 增加自己的退休储蓄.
你想谈什么话题?
Now that you've considered how to talk about money with your parents, think about what information you need from them. You'll probably want to discuss their current living expenses and how those costs might change in the future. 考虑一下谁将成为 照顾你的父母 and get a sense of their preferences for caregiving and other healthcare-related options. 例如:
- 他们有遗产计划吗? 他们有没有考虑过 数码遗产计划?
- Are they open to eventually moving to a retirement community 或者一个n 辅助生活 设施? In their minds, what would the circumstances look like leading up to this?
- 他们有多少存款? How long will their savings last in their current situation?
- 你能 帮助他们完成财务任务 比如设置 自动账单支付?
- Are they aware of scams targeting seniors like phishing or identity theft?
- 它们开着吗? 医疗pp王者电子官网 有吗? 差距 在他们的报道中?
- 他们有 长期护理pp王者电子官网?
You might also want to discuss legal provisions, such as whether they have an 遗产规划 或者一个 生活将会.
As you begin helping elderly parents with finances, it may be beneficial to also know some common 遗产规划错误 所以你可以避免它们.
