Singletary: The more generations, the richer in several ways

Having limited mobility, I’ve become even more convinced that we need to embrace a new normal.

Young adults shouldn’t be viewed as failures for living with their parents well into their 20s. If they are otherwise responsible, why should they flail financially trying to keep up with crushing rent and student-loan payments?

On the other end of the age spectrum, seniors who can no longer safely live alone shouldn’t dread the prospect of giving up their independence by moving in with their adult children and grandchildren. They have as much to give as they get.

What if we looked at our housing a lot differently than we have in recent times?

“Multigenerational living arrangements might improve financial resources, buffer stress, reduce loneliness, enhance intellectual sharing, and generate structural social capital, thereby elevating the level of one’s health,” according to findings published online last year in the journal SSM-Population Health.

Researchers pointed out that such living arrangements allow people to better share the cost of housing, food, transportation and responsibilities for child care and elder care (and looking after a clumsy mom).

In 1950, 21 percent of the U.S. population lived in a multigenerational household — defined as including two or more adult generations, or including grandparents and grandchildren 25 and younger, according to the Pew Research Center’s analysis of census data. By 1980, such living arrangements had reached a low of 12 percent.

But multigenerational households are trending up. By 2009, 51.5 million Americans — 17 percent of the U.S. population — resided in a home with multiple generations.

In 2016, a record 64 million people lived with multiple generations, Pew said in a report this year.

Lisa Cini and her family are among them. Since 2014, Cini and her husband have lived with their two young adult children and her elderly parents in Columbus, Ohio. Until recently, they also lived with Cini’s grandmother, who suffered from Alzheimer’s disease and passed away this year at age 96 after staying with them for four years.

For this month’s Color of Money Book Club pick, I’ve picked Cini’s account of how she makes their living arrangement work, “Hive: The Simple Guide to Multigenerational Living.” Cini is an experienced designer whose company, Mosaic Design Studio, develops the interiors for senior-living facilities.

Cini lovingly describes bringing all four generations of her family under one roof as a “4-Gen Social Experiment.”

The book is part memoir with family history and part roadmap to designing a multi-level home with a flow to accommodate the young and old.

“I understood the home would need to have spaces where everyone could have privacy, could escape, and would never feel as though they were a burden,” Cini writes.

She points out how to prevent falls yet encourage older relatives to stay active. Yes, there are stairs. They have multiple sofas and ottomans to create a communal hub.

“Finally, though, I realized what would be the most important ingredient of all — and it was an intangible one: appreciation. Appreciation that the environment would not be perfect, no matter how hard we tried.”

Clearly not everyone can do what Cini and her family have done. But I was inspired by their determination to make it work and rely on each other.

“It’s hard, but also amazing to see it and to be around those different souls who are in their different seasons,” Cini says.

Cini’s family has an actual beehive in their yard, and the similarities with their household aren’t lost on her. Like the honeybees, everyone in Cini’s family has an important role, and they all thrive in their “hive” because they appreciate the benefits of living together.

Let’s talk about this trend. I’m hosting an online discussion about “Hive” at noon Eastern time on Oct. 4 at washingtonpost.com/discussions. Cini will join me to take questions about multigenerational living.