When adult children won't leave home: Another retirement risk for parents?

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A 35-year-old daughter asks, "Mom, what's for dinner tonight?" Although she works for a small company, she has no plans to move out.

She does not do her own laundry or clean her room, and every day she asks what is on the dinner menu.

Her mother says she feels increasingly frustrated.

After eating, the daughter quickly retreats to her room and rarely helps with the dishes.

As more adult children delay leaving home, many couples in their 60s are finding it harder to prepare for retirement.

They wonder how long they will have to continue supporting their grown children.

The woman's husband has already retired and now works part-time to supplement the household income, as the national pension alone is not enough to cover living expenses.

They worry about the financial burden they would face if either of them became seriously ill, particularly medical and caregiving costs.

The mother has recently begun to feel that her 35-year-old daughter's delayed independence is standing in the way of their retirement plans.

Rather than covering her own living e ...