My 95-year-old grandfather raised me as his own for 20 years. To this day, his guidance and advice has shaped my life, and like many young people relying on the support of family, I wonder where I’d be without him.

“You don’t know how lucky you young ones have it these days,” he often says. However, he speaks fondly of those early, difficult days and doesn’t recall feeling anxious about money or his financial future.