# The Financial Freedom of Getting Kids Off The Books!

An episode of [Informed Decisions: Ireland's Independent Retirement Planning Podcast](https://invisiblenetwork.ai/podcast/1150625286), 17 Nov 2025, 26 min.

Audio: https://traffic.libsyn.com/secure/informeddecisions/Financial_Freedom_of_Getting_Kids_Off_The_Books_pod350.mp3?dest-id=414202

Many Irish parents in their fifties are still financially supporting adult children—and it's quietly delaying their retirement goals. Key takeaways: • Each adult child can cost around €15k–€20k per year in ongoing support—rent, car, health cover, and general expenses. • Those costs directly reduce pension contributions and long-term savings, sometimes delaying retirement by years. • Using tools like the McClements Scale shows how each extra person in the home adds significant cost pressure. • Setting clear timelines, gradually stepping back support, and redirecting funds into pensions can rebuild financial freedom fast. When kids finally stand on their own two feet, your savings—and sanity—get a big lift! I hope it helps!

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