【加拿大】民调：加拿大父母愿意支付很多钱让成年孩子离开 [加拿大媒体]

Canadians may love their children, but a majority would rather spend big money than have those kids fly back home to the nest as adults.

加拿大人或许爱他们的孩子，但大多数宁愿支付很多钱，也不愿让那些已经成年的孩子飞回老巢。

In a new poll from CIBC, 65 per cent of respondents with a child aged 18 or over said they'd prefer to give their children money than have them live at home with their spouse or partner.

在CIBC的一份民意调查中，65%的拥有18岁或者更年长孩子的受访者说，与其让孩子和他们的配偶或者伴侣一起住在自己的家里，他们更喜欢给孩子钱。

The old ethic that "children should make their own way in the world" seems to be going out of fashion.

旧的伦理“孩子们应该走自己的路”似乎已经不再流行。

Seventy-six per cent of respondents say they would give or have given support to their adult kids to move out, or marry or live with a partner. Only 24 per cent said they wouldn't give any financial support.

76%的受访者称他们将会或者已经支持他们的成年孩子搬出去，或者结婚或者与伴侣一起住。只有24%的受访者说他们不会进行任何财务支持。

The average gift size parents have given or would give their children was $24,125 nationwide. In households with incomes above $100,000, the average gift size is $40,558.

父母们已经或者即将给他们孩子赠与的钱财金额全国平均为24125美元。在收入高于100000的家庭，平均赠与金额是40558美元。

Standard operating procedure

标准流程

In the current era of skyrocketing house prices, gifting money to children has become standard operating procedure for many.

在房价飞涨的当今时代，给孩子们钱作为礼物已经成为很多人的标准程序。

A survey from HSBC published earlier this year found 37 per cent of Canadian millennials said they had asked their parents for financial help with housing, and another 21 per cent said they had asked their parents for money for unexpected costs after purchasing a home.

今年早些时候HSBC发布的调查显示，37%的加拿大百万富翁说，他们曾向他们的父母寻求购房上的财务帮助，另外的21%说他们曾经在购房后因为一些意想不到的支出向父母要钱。

Buying a home was the single most common reason — from 23 per cent of respondents — cited for giving money to children in the CIBC poll. Weddings or cohabitation with a partner were the second most popular reason for gifting cash, at 16 per cent.

在CIBC的调查中，买一套房子是给孩子钱单独的最普遍的理由，23%的受访者是这样。与伴侣结婚或者同居是给孩子钱的第二流行的理由，占16%。

But that doesn't mean Canada's parents are an open ATM. In fact, 55 per cent of respondents said they're uneasy about monetary presents. The top concern? Forty per cent worry they may need the money themselves later. Another 29 per cent said they fear their offspring won't use the money "wisely."

但这并不意味着加拿大的父母们是敞开的ATM。实际上，55%的受访者说他们对现在的财务状况表示担忧。最关心的问题？40%的人担心自己以后可能需要钱。另外的29%说他们的后代不能“精明的”用钱。

"The caveat to making any financial gift is that you generally don't want to put your own finances at risk," Jamie Golombek, managing director of tax and estate planning at CIBC Wealth Strategies Group, said in a statement. "You need to map out the lifestyle you want in retirement and the money you'll need before making a financial gift."

“给出财务资助的警戒线在于你大体上不能让自己的财务陷入风险，”CIBC财富战略团队的税务和不动产策划总经理Jamie Golombek在一份声明中说。“在给出财务资助之前，你需要筹划自己退休后的生活方式，以及所需要的钱。”

Tax benefits

税收优惠

Golombek suggests such gestures may be a good idea, especially since financial gifts to children (as well as other relatives and even strangers) are tax free.

Golombek建议说，这样的姿态可能是个好主意，尤其因为向孩子赠与财产（向其亲戚甚至陌生人也一样）是免税的。

"Unlike in the U.S., we don't have any kind of gift tax, which means if you have what's called 'never money' — money you'll never spend in your lifetime — it's worth considering making a financial gift while you're alive to help your kids get started in life," he said.

“不像在美国，我们没有任何种类的赠与税，这意味着如果你有所谓的‘压箱底’，就是你这辈子永远不会花的钱，在你活着的时候进行财产赠与，帮助你的孩子们开启生活，是值得考虑的一件事，”他说。

"In addition, by gifting assets before you die, these assets will not be subject to probate fees because they will not be part of your estate."

“另外，在你死之前把财产赠送出去，那些财产将不会被课以遗产税，因为他们不再是你的财产。”

All the more reason for Canadians to line up at the "bank of mom and dad."

所有更多的理由都让加拿大人在“爸比妈咪银行”的门前排队。


Lee Miller
Luckily most parents realize that kids have it tougher today. When my parents graduated high school, the idea that they might not be able to find jobs never even crossed their minds. Times have changed.

幸好大多数父母都意识到孩子们的生活更加艰难。我父母从高中毕业时，在他们的想法里从来不会出现“可能找不到工作”这种想法。
时代已经变了。

Mark Soloway
The old ethic that "children should make their own way in the world" seems to be going out of fashion....That clearly is not what it means, it means that children can't make their own way in the world any more without the help of their parents, it's pretty sad.

旧的伦理“孩子们应该走自己的路”似乎已经不再流行……这句话显然不是这个意思，它的意思是孩子们没有了父母的帮助在这个世界就活不下去。这件事真是悲哀。

Jason Marcel
@mark Soloway
Yup, the older generation, by voting away good-paying jobs, have forced the next generation to be dependent on them. At the same time that people chime in at every comment section with predictable stuff about adult kids living in their parents' basements, these same kids are expected to work unpaid internships in their 20s, and free work doesn't pay the bills.

@Mark Soloway，是啊，老一辈通过投票让高收入的工作消失，迫使下一代人依赖他们。同时那些人在每个评论区发言，写一些神棍式的预言，说成年的孩子们住在他们父母的地下室，期望在20岁的时候找到一份没有薪水的工作的仍然是那些孩子，然而自由工作却不能支付账单。

Brett Lamb2d
Change the lock on the front door. Done.

把前门的锁换掉，问题解决。