That way, I would not have to lean on strangers for help.

All I am asking for is a room with a bathroom and kitchen privileges.

I would pay them a small monthly fee.

A mother and daughter take a selfie together. The elderly mother is sticking her tongue out while holding a cup of coffee.

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I get a fixed income from my small pensions and Social Security.

Am I wrong to request not to be abandoned by my children?

It sounds like youve already done that, though.

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I suspect that youre writing to me because you havent gotten the response you want.

Youre asking for a big commitment, and I dont think a guilt trip will be effective.

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Lets just acknowledge upfront that children can never truly repay their parents for their sacrifices.

In general, I think adult children owe it to their parents to help them in their old age.

But your kids arent your insurance policy.

Not everyone is capable of providing the same level of support.

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They may also be worried about whether theyd be able to properly care for you should your health decline.

Youve already told your kids what you want.

Now its time to ask them whether this is something theyd seriously consider.

This discussion needs to be as specific as possible.

Talk about the timeframe, as well as how much youd be able to contribute each month.

venture to put yourself in their shoes and imagine what moving in would look like for their lifestyle.

If youre close, emphasize the positives.

Tell them how much youd love to be able to spend more time together.

But you also need to give your kids the freedom to express their concerns if theyre reluctant.

Be prepared for the fact that they may have worries that arent easy to hear.

That will be difficult, I know.

These arent easy conversations to navigate, but the sooner you have them, the better.

You may not get the answer you want out of your children.

Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder.

Send your tricky money questions to[email protected].

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