With student loans and a tough job market, I hear this question more and more. There’s a lot to consider. Can you afford to help your son without making it hard to meet your own expenses — and without jeopardizing your retirement? Is this a good time for your son to buy a house, with or without your help? Or will he have trouble making his house payments once he’s in his new home? Finally, do you help with a gift or a loan? Will he be able to repay a loan? Can you afford to help him if you never get your money back, regardless of what it’s called? If your help comes in the form of a gift, try to make the gift far enough in advance that lenders don’t view it as a possible loan masquerading as a gift. Lots to think about and consider! Want to talk over your situation? Give me a call and let’s chat. 303-696-6933