After years working for nonprofits, I am nearing age 60 without a pension or retirement savings. While financial help is only "supposed to" flow from parent to child in North America, that hasn't been the case for me. Or rather it would be, if I didn't have a daughter with whom I have an exceptional relationship. Much has been written lately about how only those millennials who can go to the bank of mom or dad will ever buy homes. As we've navigated our way through this mutual-aid arrangement, my daughter has persuaded me to stop doing the math.

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