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If you are helping a relative downsize for a move, it is often helpful to sort belongings into four categories: items to keep items to throw away items to sell items to give to charity Items to keep and to throw away have obvious action steps. If you have a lot to dispose of, ask the local waste hauler to drop a debris box at the curb. Be sure to shred anything that includes personal identification information.

Many adult children are encountering the uncomfortable reality that their parents don't have enough money. Perhaps they've simply outlived their savings. Or their medical expenses have grown beyond anything ever imagined. Whatever the cause, it's an issue that poses hard choices. How much should you support them? And what about your own needs? Your children's? Here are some thoughts to consider.