If they’re still living in your house, maybe they should start paying rent. Okay, we know this is controversial. It won’t feel right for every family—and of course that’s fine. Living at home can be a great way for young people to save money as they start making their way in the world. (Plus they might be helping you out by taking care of younger siblings or other family members.) But paying rent is also a big part of growing up. If you’re able to, you might consider charging a reasonable rent they can afford based on what they’re earning, and putting their payments directly into savings for them. When they’re ready to move out, they’ll have a little cushion ready to go that came out of their own pocket.