Anonymous
Post 04/17/2026 07:26     Subject: Re:Do you have an age cut off on supporting adult kids?
Anonymous wrote:
Anonymous wrote:No cutoff here, though our older two are almost entirely independent in their early 20s. We pay for their cell phone plans, and until recently, car insurance. We give them annual gifts and add to their brokerage accounts. Agree with PPs who said this all depends on your financial situation and kids’ ability to be responsible without family help.

My parents didn’t support us after college, except my mom bought clothes for me until her death when I was in my forties. She had a great eye, and was appalled that I’d wear clothes until they frayed out of disinterest. I never asked her to do this, but I got a kick the compliments I’d get wearing whatever new thing she gave me.


My mother did this too! It was like having a personal shopper who had better taste and more interest in clothes than me. Eventually I started reimbursing her to encourage it.
me too! Now, my sister finds many of my clothes.
Anonymous
Post 04/17/2026 04:10     Subject: Do you have an age cut off on supporting adult kids?
To those of you who are giving money to their kids, are there strings attached? One poster mentioned the money goes to their brokerage account. Are any of your kids married? If so, this money could potentially be divided if the marriage doesn’t survive. From my perspective, it’s complicated.
Anonymous
Post 04/17/2026 00:47     Subject: Re:Do you have an age cut off on supporting adult kids?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:No cutoff here, though our older two are almost entirely independent in their early 20s. We pay for their cell phone plans, and until recently, car insurance. We give them annual gifts and add to their brokerage accounts. Agree with PPs who said this all depends on your financial situation and kids’ ability to be responsible without family help.

My parents didn’t support us after college, except my mom bought clothes for me until her death when I was in my forties. She had a great eye, and was appalled that I’d wear clothes until they frayed out of disinterest. I never asked her to do this, but I got a kick the compliments I’d get wearing whatever new thing she gave me.


My mother did this too! It was like having a personal shopper who had better taste and more interest in clothes than me. Eventually I started reimbursing her to encourage it.


I’m that mother! I love doing personal shopping for people. My oldest daughter loves it but my middle school daughter just wants to wear the same baggy clothes every day. It’s nice that your mother enjoyed it so much and how you appreciated it.


Someday you will be buying clothes for your mother. Circle of life.
Anonymous
Post 04/17/2026 00:42     Subject: Re:Do you have an age cut off on supporting adult kids?
Anonymous wrote:
Anonymous wrote:No cutoff here, though our older two are almost entirely independent in their early 20s. We pay for their cell phone plans, and until recently, car insurance. We give them annual gifts and add to their brokerage accounts. Agree with PPs who said this all depends on your financial situation and kids’ ability to be responsible without family help.

My parents didn’t support us after college, except my mom bought clothes for me until her death when I was in my forties. She had a great eye, and was appalled that I’d wear clothes until they frayed out of disinterest. I never asked her to do this, but I got a kick the compliments I’d get wearing whatever new thing she gave me.


My mother did this too! It was like having a personal shopper who had better taste and more interest in clothes than me. Eventually I started reimbursing her to encourage it.


I’m that mother! I love doing personal shopping for people. My oldest daughter loves it but my middle school daughter just wants to wear the same baggy clothes every day. It’s nice that your mother enjoyed it so much and how you appreciated it.
Anonymous
Post 04/17/2026 00:11     Subject: Do you have an age cut off on supporting adult kids?
Anonymous wrote:Why do people have kids on cell phones who they require to pay them?

Surely she could get a plan for under $100? What's the point of this?

My kids will be on or off, I don't want to make sure they're reimbursing me.


It’s just so easy to leave them on the plan, why not?
Anonymous
Post 04/16/2026 23:30     Subject: Re:Do you have an age cut off on supporting adult kids?
Anonymous wrote:After they graduated college debt free they were on their own and they did fine. Now they are all married with kids and we fund 529s and nice annual gifts. One of them is still in my cell phone plan but she Venmo’s me $100 a month.


100 dollars a month?! My brother and I were on the family plan a VERY long time but that was because it was a grandfathered in $9.99 a month unlimited data plan, so basically like a cheap subscription holiday gift that would save us a ton. Why would you stay on aa family plan for a market/above market rate?
Anonymous
Post 04/16/2026 22:45     Subject: Do you have an age cut off on supporting adult kids?
Anonymous wrote:
Anonymous wrote:To sum up, everyone is giving their kid money.


Why yes, they don't stop being your kids who you love and provide for just because they hit a magic age. If you can afford to help make their lives easier, why not?



Not what OP wanted to hear, I gather.
Anonymous
Post 04/16/2026 22:31     Subject: Re:Do you have an age cut off on supporting adult kids?
Anonymous wrote:
Anonymous wrote:No cutoff here, though our older two are almost entirely independent in their early 20s. We pay for their cell phone plans, and until recently, car insurance. We give them annual gifts and add to their brokerage accounts. Agree with PPs who said this all depends on your financial situation and kids’ ability to be responsible without family help.

My parents didn’t support us after college, except my mom bought clothes for me until her death when I was in my forties. She had a great eye, and was appalled that I’d wear clothes until they frayed out of disinterest. I never asked her to do this, but I got a kick the compliments I’d get wearing whatever new thing she gave me.


My mother did this too! It was like having a personal shopper who had better taste and more interest in clothes than me. Eventually I started reimbursing her to encourage it.


I wish I had this! The moms that are good decorators too!
Anonymous
Post 04/16/2026 21:36     Subject: Do you have an age cut off on supporting adult kids?
21
Anonymous
Post 04/16/2026 21:33     Subject: Re:Do you have an age cut off on supporting adult kids?
Anonymous wrote:No cutoff here, though our older two are almost entirely independent in their early 20s. We pay for their cell phone plans, and until recently, car insurance. We give them annual gifts and add to their brokerage accounts. Agree with PPs who said this all depends on your financial situation and kids’ ability to be responsible without family help.

My parents didn’t support us after college, except my mom bought clothes for me until her death when I was in my forties. She had a great eye, and was appalled that I’d wear clothes until they frayed out of disinterest. I never asked her to do this, but I got a kick the compliments I’d get wearing whatever new thing she gave me.


My mother did this too! It was like having a personal shopper who had better taste and more interest in clothes than me. Eventually I started reimbursing her to encourage it.
Anonymous
Post 04/16/2026 21:32     Subject: Do you have an age cut off on supporting adult kids?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:My one kid is 22, earns like $300k, has $250k of his own money saved and options in a company worth around $5MM (but of course the company needs to get sold or somehow allow employees to sell in a private round).

We still are gifting some $$$s for estate planning.

I don't feel like I am supporting him at all.


If you are gifting money for estate planning purposes you must have more than $30m in assets so maybe in a different position than OP.


Not true. Different states have different gift maximums before tax penalties kick in. My parents are in NY and have to keep their estate under roughly $7.4M. Maryland is much lower, I understand, at $1M.


MD's exemption is $5m per person and portable so $10m per couple.

No one HAS to keep their estate under a level, it just means you pay state taxes on the excess. We are over $16m in assets and certainly aren't aiming to keep our estate under a certain amount.
Anonymous
Post 04/16/2026 20:18     Subject: Do you have an age cut off on supporting adult kids?
Generational affluence wow. Those that have get and keep getting.
Poor kids, kids from MC families dont get $$$ no matter how much they are loved.
Don't forget to be grateful for the position you are in to even contemplate full pay, cars, down payments, etc.
Anonymous
Post 04/16/2026 19:26     Subject: Do you have an age cut off on supporting adult kids?
I will help my kids forever. It seems stupid to wait until I die for them to get money when it's more useful to the kids earlier. I will cover their medical bills indefinitely and give them a downpayment for their house(s). Also will cover daycare and grandkids college tuition. My family covered our tution bought my first two cars to help me two cars to get started out. Family also provided downpayment for two houses, and paid off our mortgage on second house. I will do the same for my kids as long as I can afford it.
Anonymous
Post 04/16/2026 19:25     Subject: Re:Do you have an age cut off on supporting adult kids?
No cutoff here, though our older two are almost entirely independent in their early 20s. We pay for their cell phone plans, and until recently, car insurance. We give them annual gifts and add to their brokerage accounts. Agree with PPs who said this all depends on your financial situation and kids’ ability to be responsible without family help.

My parents didn’t support us after college, except my mom bought clothes for me until her death when I was in my forties. She had a great eye, and was appalled that I’d wear clothes until they frayed out of disinterest. I never asked her to do this, but I got a kick the compliments I’d get wearing whatever new thing she gave me.
Anonymous
Post 04/16/2026 18:50     Subject: Do you have an age cut off on supporting adult kids?
Anonymous wrote:To sum up, everyone is giving their kid money.


Why yes, they don't stop being your kids who you love and provide for just because they hit a magic age. If you can afford to help make their lives easier, why not?