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Should Christian Parents Give Retirement Money to Help Adult Kids

parents giving retirement money to adult kids

In a world where the financial landscape is constantly shifting beneath our feet, the latest podcast episode featuring AB Ridgeway offers an insightful look into a pressing issue – parents spending their retirement savings on their adult children.

The episode takes a deep dive into a troubling trend: as the cost of living soars and economic policies fluctuate, many parents feel compelled to support their adult children financially, often at the expense of their own retirement plans. With a mix of expert opinions and hard-hitting facts, Ridgeway doesn't shy away from asking the tough questions.

Is this pattern of parental support creating a cycle of dependency that's hard to break?

Are we teaching our children financial independence, or are we setting them up for a future where saving seems impossible?

The episode features a clip from Fox News from a poignant discussion with EJ Antoni, a public finance economist from the Heritage Foundation, and touches on the broader implications of this trend on the economy and society.

Moreover, the episode doesn't just highlight problems but also offers solutions. Financial literacy, living below one's means, and the importance of a solid financial plan are all discussed as key strategies to break the cycle of dependency and promote a healthier financial future for both parents and their children.

But it's not all doom and gloom. Ridgway's approach is refreshingly honest and practical, providing listeners with actionable advice on how to navigate these challenging financial waters.

The episode is a must-listen for anyone concerned about their financial future, as well as for parents and their adult children grappling with these issues.

So, are you ready to confront the reality of retirement savings and familial financial support? Tune in to the latest episode and join AB Ridgeway as he explores the complexities of financial responsibility within the family unit. It's time to take control of your financial destiny – and this episode is a great place to start.

Remember, it's not just about the money; it's about securing a future that's free from the shackles of debt and dependency. Listen now!

Time Stamps:

(00:00) Parents are taking their retirement funds and giving them to their adult children

(01:07) 44% of young people are relying on their parents for retirement savings

(02:45) The idea that somehow young Americans today can afford to get out on their own

(04:33) The national debt surpassed $34 trillion at the start of the new year

Episode Summary: In this episode of "Financial Advisors, Say the Darnedest Things," host A.B. Ridgeway delves into the concerning trend of parents spending their retirement savings on their adult children. Ridgeway highlights the economic challenges facing America, including high inflation rates and soaring mortgage costs. Through discussions with experts, he explores the implications of parents sacrificing their retirement security to support their children financially.

Key Takeaways:

  1. Financial Accountability: Ridgeway emphasizes the importance of instilling financial accountability in both parents and adult children. He warns against the pitfalls of enabling dependency rather than fostering financial independence.

  2. Economic Realities: Guests from the Heritage Foundation shed light on the broader economic landscape, linking unsustainable fiscal policies to the burden placed on retirement savings. They underscore the need for a shift in mindset toward long-term fiscal sustainability.

  3. Generational Responsibility: The episode prompts reflection on the intergenerational implications of financial decisions. Ridgeway calls for a reevaluation of priorities within families to halt the cycle of dependency on retirement funds.

  4. Education Over Enabling: Rather than simply providing financial assistance, the focus should be on educating young adults about financial management and prudent planning for the future. This approach fosters self-sufficiency and resilience.

  5. Personal Responsibility: Ultimately, Ridgeway advocates for personal responsibility and proactive financial planning. He encourages parents to prioritize their own retirement security while equipping their children with the skills and mindset to thrive independently.


  1. "This is a sign of how failed these economic policies are." - A.B. Ridgeway

  2. "It's time for us to get back to putting a priority on fiscal sustainability and sooner is better than later." - Federal Reserve Chairman Jerome Powell

  3. "Someone has to take responsibility and starts in our homes." - A.B. Ridgeway

Prayer: Dear Heavenly Father, we come before you with hearts filled with gratitude for the blessings you bestow upon us each day. As stewards of your gifts, we seek your guidance in managing our finances wisely. Grant us the strength to prioritize financial accountability and responsibility within our families. Help us teach our children the value of prudent planning and self-sufficiency, so they may navigate life's challenges with grace and resilience. Bless us with the wisdom to nurture a legacy of fiscal stewardship for generations to come. In your holy name, we pray, Amen.

Episode Keywords:

  1. Christian financial responsibility

  2. Retirement savings dilemma

  3. Intergenerational finances

  4. Financial literacy for young adults

  5. Parental financial support

  6. Economic impact on family dynamics

  7. Cultural attitudes towards money

  8. Personal financial stewardship

  9. Financial independence for adult children

  10. Biblical perspective on financial planning

As you reflect on today's discussion, consider how you can integrate principles of financial stewardship and responsibility into your own life and family dynamics. Take proactive steps to educate yourself and your loved ones about wise financial management, seeking guidance from reputable sources and trusted advisors.

Let us strive to cultivate a culture of financial empowerment and generosity, honoring God with our resources and blessing future generations with financial wisdom and stability.

Join us next time as we continue to explore faith-based perspectives on navigating life's financial journey.


Fox News

Heritage Foundation

Federal Reserve

Jerome Powell

retired couple reviewing their investments


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About Financial Advisors Say The Darndest Things Podcast:

As Christians, we were taught to be good stewards over our tithing and giving to the less fortunate. But when it came to our personal finances and investing we were left clueless on what the Bible says. What does the Bible say about managing debt, leaving a legacy, investing, and planning for your retirement? Mr. Christian Finance answers these and many other questions because we want to teach you how to become rich and righteous!

Meet A.B. Ridgeway:

A.B. Ridgeway with his hands up

A.B. Ridgeway, MBA ( is the owner and Christian Financial Advisor with A.B. Ridgeway Wealth Management. With a decade in the finance industry, his goal is to give believers clarity around the most confusing topic in the Bible, money, and tithing. A.B. Ridgeway helps tithing Christians become cheerful givers but unlocking their money-making potential, so they can prosper and be the great stewards of the wealth God has entrusted them with.

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

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