CJCH - Saturday, May 25, 2024 - 07:00 a.m. (ET) - Segment #3

enough capital, who are in that position where they're transitioning their wealth from one generation to the next, who have excess funds. So if you are in the camp where you are stretching to make your money, then there's a few different impacts. So, number one, when it comes to housing, you have to look and see, are you carrying your own mortgage? And, at the same time, are you helping to carry your child's mortgage at the same time? So are you getting into a position where you have double mortgages? And if that's the case, are you prepared for the impact if they can't pay that payment? Because you are now jointly responsible if you are-- if you have signed on that mortgage. Also, taking a look at paying taxes on things like RESPs or Registered Education Savings Plans. So an RESP is meant for your child's education. You contribute to the plan. It grows tax deferred when the children take it out. It's taxed on their marginal tax rate, which presumably is low because they're children. If they don't go to school, you can either transfer into your RSP, but if you don't have room, you need to take that into income and then potentially pay tax on any of the growth, from what the contributions were to where it is now, and you have to pay back all the grant room. And then, finally, when you take a look at debt, you know, are you helping your children with debt? Is it credit-card debt? Is it debt that is good debt, which essentially means it's either a house or something that's appreciating in capital. It's investment, it's growing a business, or is it credit cards? Is it that high consumer debt that is not growing? So, you know, it's about what is the impact that it has on you? And sometimes I find that people don't look at what the number looks like in the future, because when you give your money to help, what that means is that you're then giving up that appreciation room, that room for growth in the money. >> Right. >> Because once it's transferred, it no longer has time to grow and compound. So you are not just giving up the capital now, but you're giving any future appreciation of capital as well. So you need to be able to afford that. >> Yeah, these are conversations that are important to have and important to have early because of that. Robyn, thanks so much for coming in. >> You're so welcome. It's great to see you, as always. My life is full of questions... How do I clean an aioli stain? Use Tide. Do I need to pretreat guacamole? -Not with Tide. -Why do we even buy napkins? Thankfully, Tide's the answer to almost all of them. -Do crabs have eyebrows? -Except that one. For all of life's laundry questions, it's got to be Tide. [ ] By reliably delivering more the Hyundai KONA SUV has earned, “Best Residual Value,” from JD Power four years in a row. [ ] From its advanced technology to its durability we took the best-selling subcompact SUV in Canada and made it more WAH. [Hyundai sting] What keeps baby's skin healthy? A diaper that doesn't leave skin wet. That's why Pampers Swaddlers absorbs wetness better for up to 100%leakproof protection and 0% skin irritation. Pampers. For healthy baby skin. What's the Walt Disney World thrill feel like? It's like... Woody: Howdy, partners! and like... (Giggles) and also like... (Screaming) And it feels even better together. And check this out. You can thrill with this special 4-day, 4-park magic ticket offer. Visit to learn more. Disney thrills us like... (Screaming) Did you know most dish soaps don't remove all the grease, even with scrubbing? Whaaat? I just cleaned those! Try Dawn Platinum. It removes 99% of grease and food residue. That's why Dawn is trusted to save wildlife affected by oil. Dawn Platinum cleans to the squeak. ( ) Surprise! I've got Summer Fridays Masks for everyone. On my day, my besties will be glowing mama. It's this Merit. Does lips, does cheeks, I've got it on both shiny and soft? I know, right? Did you cheat on me? (Gasp!) Girl, no. It's Amika and it's Clean at Sephora. Brands like Phlur have everything you want minus certain ingredients you might not. Summer Fridays, Merit, Amika, Phlur. Clean at Sephora, is only at Sephora. (Screaming in movie) (Audience gasps) Bleeding gums are serious, Jamie. Dr. Garcia? Whoa! They're a sign of bacterial infection. Crest Gum Detoxify with anti-bacterial fluoride works below the gumline to help strengthen gums and reduce bleeding. Crest saves the day. Crest. - Mama, what's a Dare Veggie... Crisps? - Oh! I'm Dare Veggie Crisps! I'm a little bit of all the things... veggies, crackers and chips. [group] - Ohhs! - Veggify your snack time with Dare Veggie Crisps. - Made with real veggies! Ok, someone just did laundry... No, I add Downy Light so the freshness really lasts. Yeah, most scented stuff gives me a headache,

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