It’s okay to help, but don’t coddle. By John Miley, Senior Associate Editor May 7, 2012 Suzanne Bernier is one of the lucky ones. Just before graduating from Brandeis University in 2010, she landed a job at a medical software company. Yet after graduation, the frugal 24-year-old moved back in with her parents. “I wanted to save as much money as possible,” she says.SEE ALSO: How to Establish Financial Independence (with Some Help From Mom and Dad) More than one-fifth of people ages 25 to 34 live in multi-generational homes, the highest level since the 1950s, reports Pew Research. The hospitality helps boomerangers stay positive in tough times. More than three-fourths of people ages 25 to 34 who have lived at home are upbeat about their future finances, according to Pew. Laying ground rules can help prevent a clash of the generations. “Put a game plan together with expectations,” says Linda Leitz, a certified financial planner in Colorado. Parents who open their homes should establish a time limit for the stay and get regular progress reports. The child should pay rent, save money or pay off debt. Don’t subsidize a lavish lifestyle. If kids can’t contribute money, consider requiring household chores instead. Parents should gradually turn up the heat, Leitz says. Raise the cost of rent by a certain date, for example, even if your plan is to make a gift of the money when your child departs. The comfort of home shouldn’t be cushy enough to erode financial independence.