You should be enjoying life. Your kids are out of college, you're in your top earning years and you can see the finish line of retirement ahead of you.
Suddenly, your adult child moves back home because they can't find work or want to save up for a down payment on a home. Life has gotten in the way of your financial plans.
You're not alone. Last year, 14.5 percent of millennials ages 28 through 32 lived with their parents or grandparents compared with 5.5 percent of those 33 through 55, according to an analysis of census data by real estate tracker Trulia. See chart below.