It’s no secret that lots of parents are actually helicopter parents—they hover, they “help,” they’re always Johnny-on-the-spot with leads on homes, jobs and even potential mates.

But one area in which they can inflict lots of damage not just on their kids’ sense of independence but also in their own lives is when they whip out the checkbook.

A Forbes report points out that being too financially helpful to one’s kids long after it’s appropriate can kill a parent’s retirement.

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