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FILE - In this March 14, 2019, file photo, people walk on the Stanford University campus in Santa Clara, Calif. Whether you’re asking your parents for financial help, or they’re offering it, think twice before accepting. If Mom and Dad aren’t on track for retirement, it could end up costing everyone. (AP Photo/Ben Margot, File)

FILE - In this March 14, 2019, file photo, people walk on the Stanford University campus in Santa Clara, Calif. Whether you’re asking your parents for financial help, or they’re offering it, think twice before accepting. If Mom and Dad aren’t on track for retirement, it could end up costing everyone. (AP Photo/Ben Margot, File)

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