"Who would ever have dreamed that we are now raising our grandchildren rather than living out our retirement dreams?" This scenario occurs more often than one would want to imagine. A couple in their late fifties to early sixties now has their son or daughter-in-law or both living in their home with the grandchildren! This is not how things are supposed to be. The son does have a college degree. But the jobs he and his wife are able to get pay minimum wage. There are college loans to pay off along with other bills. It is a warm summer.