Joe, when you were a financial planner, how common was it that you were working with clients

who were trying to manage finances, not just for themselves and their immediate family with their

kids, but also their parents or their grandparents?

It was incredibly common.

Like more common than you would think, I think we all worry about our parents as they get older.

We want to help them age gracefully.

And we want to make sure that everybody's happy. And they changed our diapers when we were little. So we want to help them age gracefully. And we want to make sure that everybody's happy. And they

change our diapers when we were little. So we want to return that favor. Yeah, so we want to

change them when they're old. Change them again. It all comes full circle. We're going to answer a

question today from a caller who is worried about her mom, financially speaking. And there are limitations to what she and her sister are able to do. And we're going to talk through what's next. It's one of the hardest questions in financial planning. We're also going to chat about ADRs, which you'll find out what they are midway through the show. We're going to discuss credit card rewards. Welcome to the Afford Anything podcast, the show that knows you can afford anything, but not everything.

The show covers five pillars, financial psychology, increasing your income, investing, real estate,

and entrepreneurship. It's double-eye fire. I'm your host, Paula Pant. I trained in economic

reporting at Columbia. Every other episode is-ish, I answer questions from you.

And I do so with my buddy, the former financial planner, Joe Saul Seahy.

What's up, Joe?

Hey, Paula, super happy to be here.

I hope everybody's having a great summer.

And like you said earlier, we've got some great questions.

Incredible questions.

Our first question comes from Anonymous.

Hi, Paula and Joe. My mother has always lived

outside her means and she continues to do so, but now it's catching up to her, and my sister and I are

...