Retirement has been very good and you’ve scaled back due to the current state of your investments. You’ve been married 50 years and successfully raised 5 children, one of whom recently asked if they can move back in with you. While you love all of your children you’re really not at a point in your life where you want them living with you again. This child in particular has not had responsible work or spending patterns and while you love them your response is no. After all, if they don’t learn responsibility now who will take care of them after you’re gone?