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  3. Keith Hewson, a 29-year-old airline pilot, hadn’t planned to live with his in-laws after he got married. But he quickly realized

Keith Hewson, a 29-year-old airline pilot, hadn’t planned to live with his in-laws after he got married. But he quickly realized

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问题    Keith Hewson, a 29-year-old airline pilot, hadn’t planned to live with his in-laws after he got married. But he quickly realized that sharing a three-bedroom house with his wife’s parents, who offered to let them live there rent free, would allow him and his wife, Katy, to pay off their student loans and credit card debt and save for a house of their own. "Everything we were putting into rent is now paying off bills and going toward savings. That was a huge selling point," Hewson says.
   William LeFavor, 24, a financial planner in Wellesley, Mass., lives rent free at his parents’ home. In addition to providing housing, his parents pay for his food, dry cleaning, and other living expenses. Without his parents’ help, LeFavor estimates that rent would eat up at least half of his roughly $27,000 annual take-home pay, and after food and a social life, "you’re just going into debt."
   Hewson is part of a generation benefiting from the generosity of its parents, who are approaching retirement or already retired. Almost 4 in 10 adults aged 60 or older give money to their adult children, while only about 12 percent get financial help from their kids, according to the Pew Research Center.
   "As a historian, I can tell you no older generation in history has ever spent so many resources on grown kids," says Stephanie Coontz, director of research for the Council on Contemporary Families. Indeed, the annual cost of a public four-year college has more than doubled over the past 20 years (as measured in constant dollars), and housing prices over the same period have more than tripled on average. That has provided more wealth to boomer homeowners, while, at the same time, making it harder for their kids to buy first homes. "It’s just more and more important for kids to get this kind of help," Coontz says, noting that families unable to give cash often provide non-monetary help, such as offering to baby-sit their grandchildren or allowing adult children to move in with them.
   But depending on retired parents can also create family tension. "It’s embarrassing," says Sharon Davey, a single mother of two young daughters. Since her divorce about four years ago, she has been relying on her mother’s help. "It makes me feel like a little kid, and I’m 46 years old... I’m extremely thankful and appreciate that she helped me when I don’t know what I would have done, but it’s a hard pill to swallow."
   Trish Lynch, a certified credit counselor, says she often works with parents who overextend themselves financially when a son or daughter is in need. "Parents feel like it’s their responsibility to keep on helping an adult child financially," Lynch says. "Not only does it make it financially unstable for the parent, but it creates poor habits for the adult child."
   Eileen Gallo, a psychotherapist and coauthor of The Financially Intelligent Parent, recommends that parents ask themselves if giving money makes an adult child more or less independent. Her husband and coauthor, Jon Gallo, warns that dependence can breed tension: "If you continue to have to be rescued by your parents, you start to resent your parents."
   [A] says that today’s parents spend more resources on grown kids than other parents in history.
   [B] realizes that his parents’ help prevents him from being in debt.
   [C] points out that parents’ constant financial helps have a bad influence on adult children’s habits.
   [D] feels uncomfortable because she has to rely on her mother’s help.
   [E] thinks that it is parents’ responsibility to offer constant financial helps to a grown child.
   [F] advises parents to evaluate the effect of financial helps on an adult child’s independence.
   [G] says adult children will begin to hate their parents if being constantly helped by them.
Eileen Gallo
选项
答案F
解析 Eileen Gallo出现在最后一段。该段第一句提到，Eileen Gallo建议父母应该问问自己，给孩子钱是让他们更独立还是更不独立。也就是说，父母应该评估一下给孩子钱对孩子独立能力的影响。F表达的正是这个意思，其中financial helps对应原文的giving money，而independence是文中independent的词性转换，故确定F为本题答案。
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