On the Money is a monthly advice column. If you want advice on spending, saving, or investing — or any of the complicated emotions that may come up as you prepare to make big financial decisions — you can submit your question on this form. Here, we answer a question asked by a Vox reader, which has been edited and condensed.

This falls into the category of “complicated emotions that may come up as you prepare to make big financial decisions:” I am 65 and thinking of retiring. I am working with an investment adviser. We have tentatively set the end of 2025 as my retirement date, and I can see on paper that this would be workable, but my two kids (in their mid-20s) will still need a lot of help financially beyond that — more help than I can give them once I’m no longer working.

Knowing my own emotional tendencies, I would feel guilty and selfish to make my retirement a higher priority than continuing to help them as I am now doing, but I also think I’d feel increasingly resentful the longer I worked past 2025. Can personal finance even provide an answer to this dilemma, assuming that we’d all survive either way?

Dear Thinking of Retiring,

It’s good that you wrote me when you did because we’ve just turned the page on a new year — which means you can make a New Year’s resolution to solve this problem in a way that does not leave you feeling guilty and resentful.

Start by talking to your investment adviser. When this person........

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