Our advice columnists have heard it all over the years—so we’re diving into the Pay Dirt archives to share classic letters with our readers. Submit your own questions about money here . (It’s anonymous!)

Dear Pay Dirt,

I am 65 years old and retired. I have a very good pension and substantial savings that would provide me with a comfortable rest of my life. My home is paid off, and I have no other consumer debt. I have worked hard and sacrificed much to be at this place in my life.

After I retired, my daughter was in an accident that left her unable to work. She could no longer afford her home for her and my two granddaughters (her kids’ father does not have funds to help). I suggested that she move back home for a year or two to regroup. That was eight years ago. She never went b

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