Don't Spend Your Retirement
It may be tempting to dip into your savings to help your kid get back on her feet. But, unless you've got boatloads of bucks sitting in the bank, you may want to hold off signing that check to pay off her car note or her high-interest credit card bill. It's understandable that you want to help your kids, regardless of how old they are (that's why you let them move back in, remember?).
There are limits, though. You shouldn't do anything to jeopardize your own financial future, and it's not worth you staying in the workforce an extra year or two to pay off your kid's convertible or designer handbag. Every dollar you donate to solve his or her problems is a dollar that won't be there when you want to retire, need to pay for an emergency or even splurge on a much-needed vacation. It's great to help out family, but you need to be able to take care of yourself, too.