Cast of NBC's Parenthood (Photo courtesy NBC).

Like so many other Americans, Gentle was hit hard as the financial dominoes fell in 2008. The value of her house dropped while property taxes soared. When she was laid off from her job as director of marketing and sales for a small publishing company, she could no longer keep up. The bank eventually foreclosed on her Indianapolis home.

So, at 35 years old, Gentle did what numerous other 20- and 30-somethings are doing: She moved back in with her parents.

“It was difficult,” Gentle readily admits. “I had a successful career, and I went from being on my own, in a good place, to basically starting over.”

Gentle is not alone. Adult children of boomers— famously overeducated and underemployed—have created a moving-back-home tsunami. The driving force behind this trend is financial pressure, particularly rising housing costs, health insurance premiums, and college debt. About 8.7 million young adults ages 25 to 34 became part of multigenerational households in 2009, an increase of 13 million over 2007. Now, more than one in five young adults lives in multigenerational households.

But it’s not just the young who are coming home to roost. Many elderly parents of boomers are moving in with their children as well. All told, the number of multi-gen households grew about 30 percent during the past decade, according to the U.S. Census Bureau. And a Pew Research Center report found that 51 million Americans lived in homes of two or more adult generations in 2009, compared with 42 million in 2000. That’s a 21 percent increase in less than a decade, but more importantly it reflects a turning back to what used to be, well, normal.

“We had a 50-year experiment of thinking of families as two parents and two kids,” says John Graham, co-author of Together Again: A Creative Guide to Successful Multigenerational Living. “What’s happening right now is that the 50-year nuclear family experiment is ending.”

So you want to live under one roof? To successfully blend multiple generations into one household, here’s a checklist from Nancy K. Schlossberg, a professor emeritus at the University of Maryland and author of Revitalizing Retirement: Reshaping Your Identity, Relationships, and Purpose.

Click image to enlarge checklist.

Dan, who requested that we not use his last name, considers the decision to stay put a no-brainer. Apartments in his neighborhood cost upward of $1,100 a month, and with a $15-an-hour job, his budget would have been stretched to the absolute limit. “I didn’t want to move out on a whim,” he says.

Whatever the circumstances, being an adult in your parents’ home is different from being a teen there. Before Gentle moved in with her parents this past January, the family sat down in the living room and discussed expectations, including chores, financial responsibilities, and how long she would stay. This phase of basically resetting her GPS could have turned into an ugly high school flashback. Instead, having new structure in her life was soothing. “After all the stress of being laid off and losing my house, it was very comforting to be with my family,” Gentle says. “I’m used to being very self-sufficient and independent, but it was nice to take a deep breath for a moment and get back on my feet.”

Gentle has found a job and plans to move out again soon, but author Graham sees multi-gen living as the wave of the future. “The boomerang kids’ experience is spring training for the long season of baby boomer retirement,” he says. “They’re learning how to live together. That’s vital, because in the next 10 years, boomers will start moving in with their children.”

He’s undoubtedly correct, but the trend of elderly parents rejoining their children has already begun. When Hurricane Irene raked the Eastern Seaboard this past summer, 79-year-old Lois Bechtel grew uneasy as the winds increased and the rain pounded her Stamford, Connecticut, home. Instead of weathering the storm alone, the retired executive secretary describes how she dashed a few steps into the adjoining house to be with her daughter’s family, safe and secure. “If I lived on my own, I’d be by myself in storms or other emergencies,” Bechtel says. “Now I know that if I get sick, they’re close by. It’s a comfort.”

Bechtel lives in an attached, “in-law” apartment that allows her privacy when she wishes. According to a 2010 Coldwell Banker trend survey, home builders are on the multi-gen bandwagon, increasingly incorporating in-law apartments and adding other features for extended family members, such as separate entries, multiple kitchens, and second master bedrooms.

The New American Super-Family The Saturday Evening Post

Wiping snow off his graying mustache, the man in a cobalt blue, weatherproof jacket said to his friends, “Are we crazy or what? It’s really snowing.”

“Yeah,” the other replied, as he slid toward the lift. “Just look at that powder.”

All three were obvious mid-lifers, as was more than 70 percent of the lunchtime crowd in Jack’s, a slopeside restaurant at Copper Mountain, Colorado.

Although ads in ski and snowboard magazines suggest that everyone on the slopes is younger than 35, the reality is that a significant portion of the skiing population (and even a number of snowboarders) is older. An increase in visitors 45 and older and the continuing aging of the visitor base are among the most prominent trends in snow riding, according to the 2008 national demographic study done by the National Ski Area Association in conjunction with research firm RRC Associates of Boulder, Colorado.

More-mature slope runners have different needs and wants. Here’s a guide:

Tips for the first day on the slopes

Midlife skiers and riders navigate those first ski days of the season more gingerly than they did when younger. You’ll see them stretching their quads and hamstrings either at the base or the top of the lift before that first run. For specifics on how to warm up and stretch properly, visit www.winterfeelsgood.com.

Savvy skiers and riders in this age group wear helmets and take a Camelbak or another hydration system on the slopes and sip water while riding lifts.

Once heading downhill, some mid-lifers confess they plot their days on the slopes differently than they did in past years.

“Now, I take a few warm-up runs before trying anything more difficult. And I find places I’m familiar with more than I used to because it gives me a sense of security,” one baby boomer admits.

“I no longer ski a full day because I prefer quality” over cost per run, says another. “Now I’m willing to take more time for lunch.”

So when do you decide your ski day is over?

“If at any time I think I’m going to take ‘just one more run,’ I’ve already taken it,” he says.

Peer-grouping in packages, classes, and clinics

Classes, clinics, and multi-day packages for mid-lifers are booming. Some, such as Sun Valley’s Prime Time weeks, are excuses to rat-pack for a week. Others offer opportunities to improve one’s skiing significantly. For example, in programs such as Bumps for Boomers, run by Joe Nevin at the Ski & Snowboard Schools of Aspen/Snowmass, smart boomers are learning to flow like water through the bumps instead of knocking aging knees. Participants use ski boards (equipment considerably shorter than conventional skis) during the two- and three-day sessions.

“We teach aging baby boomers the three essential skills that enable them to quickly move off groomed runs and safely ski the entire mountain,” says Mr. Nevin. “We emphasize balance and control rather than fast skiing, and we use techniques that reduce both fatigue and stress to aging joints.”

Does it work?

Dr. Rose Ries, 52, a Philadelphia-based psychiatrist who has taken three clinics and a private Bumps for Boomers lesson from Nevin, says, “The beauty of it is that he is teaching advanced stuff — that is, how to ski moguls — yet it is sort of a return to basics concept because I can tell you that many students show up thinking they’re solid intermediates, and it turns out that they had not grasped the fundamentals prior to signing up for the course. I was one of them…. It has made skiing bumps safe for me. To know that I will not hurt myself in the bumps from lack of control is to know that I will have many more happy years of skiing ahead of me.”

All together now

The 50-plus ski-and-ride crowd plays and parties in large numbers. Membership in Over the Hill Gang International (othgi.com) is open to individuals and couples if one spouse is at least 50 years old. The group runs weekly ski days at several Colorado resorts every winter and has a directory with hundreds of benefits, including discounts on lift tickets, lodging, and equipment rentals.

Gear for boomers

Toss out your old gear, because the newer equipment is so much more body-friendly. The new-technology equipment allows baby boomers and older skiers to use much less effort, because the skis are easier to turn and more stable. With these skis, you need only make small, precise movements to steer them through bumps or make wide carved turns.

Today’s boots are also designed differently to mesh with the new-shaped skis. The newer boots
have a softer forward flex but are stiffer laterally, so it takes only a small movement to take the skis from one edge to the other. The bonus: Boots are more comfortable because there’s less need for a continuous forward lean.

Try out new models of skis or snowboards on your next trip. Unless you ski more than 15 days a year, renting the latest high-performance skis and snowboards is more economical than owning your own gear. If you’re taking a short trip, it may actually be cheaper or equal in price to rent versus paying checked baggage fees for bringing skis or a snowboard.

If you decide to rent equipment, www.rentskis.com has outlets in dozens of ski resorts in the Western United States and Canada. Choose from a variety of packages you can order online or via toll-free numbers so that the equipment is waiting for you at a local ski shop when you arrive at the resort. Contact www.skibutlers.com if you want rental gear brought to your lodging at more than 25 resorts.

Boomers Hit the Slopes The Saturday Evening Post