<p>@cptofthehouse, I will retract ‘know we will need’ and substitute ‘would like to have’ then. After all, isn’t the very calculation of how much money you will NEED in retirement a bit arbitrary to begin with depending on lifestyle, cost of living, unknown future health, and any other unknown future circumstance that can not be foreseen from the present? </p>
<p>For us, in our very specific and individual circumstances, making the loan offer to our kids makes sense. And if all 3 took us up on it and all 3 couldn’t ever pay us back, well, we’ve got bigger problems then.</p>