We are retired and living right now off the proceeds of our house we sold. My step-daughter doesn’t get it and doesn’t hesitate to ask for money.

Dear ATM Step-Daughter: Before talking to your step-daughter, you should talk to your husband. Frame the conversation as a matter of financial sustainability and fairness rather than a criticism of his daughter. You might also want to ask why he feels compelled to support her financially, as this might reveal bigger issues.

In today's Dear Annie column, Annie offers advice to a retired woman who is worried her husband is going to give away their nest egg.