After being laid off from her job, Ann Bauer struggled financially. She worked at several lower-paid jobs, relocated to a new city and even declared bankruptcy. Then in December, she finally moved back into her parents' home at age 52. "I'm back living in the bedroom that I grew up in," she said.    Taking shelter with parents isn't uncommon for young people, especially when the job market is poor. But now the declining economy is forcing some children to do so later in life---even at middle age.    Financial planners report receiving many calls from parents seeking advice about taking in their grown children after divorces and lay-offs. Kim Erickson, a financial planner in California, said she has never seen older children, even those at 50, depending so much on their parents as in the last six months. "These are 40-and-50-year-old children of my clients that they're helping out. We have a hard time saying no as a culture to our children, and they keep asking for more," she said.    Bauer's parents won't take rent money. She's trying to save several hundred dollars a month for a house while working as a meeting coordinator. Bauer would prefer to live on her own, but without her parents' help, she would "probably be renting again," she said. "Buying groceries for another person isn't stretching my budget too much," said her mother, Shirley Smith, aged 80.    Parents usually feel guilty if they don't offer help. But a large number of  well-meaning parents must delay retirement or scale back their dreams because they have to help their children, Erickson said. And the sliding economy might threaten their jobs.    "I almost have to act like a financial therapist," she said to Shirley. "Here is the line I'm drawing for you. That's fine. You can do up to this point, but at this point, now you're starting to erode (  ) your own wealth." What is the main idea of the passage?
American culture has an effect on the relationship between parents and children. Children's dependence on their parents is increasing. Sliding economy forces grown-ups to move to their parents' home. Supporting grown children may put their parents' financial freedom at risk.