Dear Eric: My daughter will be 37 in a month but has never been able to completely support herself. She has a degree from a good university but is unable to keep a job for more than a year or so.

She presently works as a restaurant hostess at a high-end restaurant. She has lived with her younger boyfriend for five years with no plans to marry. She has bipolar mental issues and has had substantial financial assistance from us all her adult life.

When and how should we cut her off?

Her boyfriend doesn’t help her financially. We fear she will fall apart and become homeless. What should we do or not do? We have had years of discussions with her about becoming financially responsible.

— A Worried Mom

Dear Mom: Cutting her off can look different depending on your goals and her goals. For in

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