As the number of households with adult children living with their parents increases, it is important to understand the financial dynamics in these households. This study uses pooled data from the Survey of Income and Program Participation to examine changes in three measures of financial dependency of coresident adult children between 1989 and 2009, with a focus on changes during economic recessions and across race and ethnic groups. Financial dependency is measured using information on individual income and rental contributions to capture three dimensions of dependency: absolute income, relative income, and rental dependency. Financial dependency of coresidential adult children has been relatively stable over time, though there is a modest decrease during an economic recession. Black and Hispanic young adults are less likely than Whites to be financially dependent on their parents, potentially contributing to the intergenerational transmission of racial disparities in wealth accumulation with some young adults having an extended safety net and others needing to pool resources with parents.

随着有成年子女与父母同住的家庭数量的增加，了解这些家庭的财务状况很重要。这项研究使用了《收入和计划参与度调查》中的汇总数据，研究了1989年至2009年间同居成年子女对财务依赖的三项衡量指标的变化，重点是经济衰退期间以及种族和族裔群体之间的变化。使用有关个人收入和租金贡献的信息来衡量财务依赖，以捕获依赖的三个维度：绝对收入，相对收入和租金依赖。尽管经济衰退期间适度下降，但同居成年子女的经济依赖性一直保持相对稳定。