When You Are Your Parents’ Retirement Plan

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When You Are Your Parents’ Retirement Plan
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Asian-Americans are planning for their parents financial future without being sure they’ll ever be able to afford their own. APAHM

. But funding your mom and dad’s retirement when you doubt you’re ever going to be able to afford your own is a uniquely millennial problem.

“In our culture, the parents typically stay with one of the children later on in life and I’ve always had the expectation that it’s going to be like that. Whether it’s with me or my sister, we’ll figure that out later,” says Jyot Batra, a 21-year-old college junior whose parents moved from India to the U.S. just before he was born.

“When you're a new immigrant, you spend most of your money on supporting your kids, sending them to school, and giving them what they need,” says Riana Shah, a 27-year-old Indian-American who already sends money to her grandparents in India on a monthly basis, and plans to support her mom’s retirement in the United States. She says that she grew up knowing she’d be doing this, and that it determined her career path .

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