Figuring Out the Financial Situation for an Adult Child Working Full-Time and Living at Home

We have a brand-new child-financial situation to deal with: what to do, financially, about an adult child who is working full-time and living at home. I will start by telling you what we did about children’s income when the children were still in school, because it feels relevant. A child working part-time (like during the school year) put half of their earnings into their own college fund, and kept the other half. A child working full-time (like during the summer), put 50-70% of their earnings into their own college fund and 10-30% into charity/investment (we gave them some input on those proportions, up to the 80% point, depending on their own priorities and also on what their college cost), and kept 20% for themselves. Well, I mean, almost ALL the money, except for charitable contributions, was For Themselves. But we used “for themselves” in this context to mean “money to do whatever you want with.” (If any of them had opted not to attend college, their own personal college savings…