Navigating Social Obligations When Finances Are Tight: Ask Amy's Advice

A retired adult who is solely responsible for the full-time care of a disabled adult child wonders how to gracefully decline family events that are too expensive and arduous to attend. Amy suggests thanking the family members for the invitation and expressing happiness for them and enthusiasm for their event, which unfortunately they will have to miss. Another reader asks if she needs to choose between her husband and family after he refuses to attend holiday functions if he dislikes a certain family member. Amy suggests letting her husband manage his own relationships. A third reader suggests exploring all the financial and legal ramifications before providing financial support for a relative's home down payment.