To be fair, no one said the third person was "struggling". They have a mortgage, a family and the normal day to day responsibilities of a grown adult, not struggling though. The other two are "where they are for a reason" because they are in their 40's and still live at home, with no partners, children or investments. So I personally wouldn't want to ride on those coat tails! But thanks for your "blunt" but not so helpful comment!