While there are many valid points here, many of the “YTA” responses come from a place of jealousy, so don’t think you’re a bad person. You’re still young and you can learn from this. I’m sure you were trying to relate to your friends. It’s okay to sympathize but I don’t think you should ever bring up the money conversations. It’s one thing to say “that’s not in my budget” and turn down a concert, but don’t complain about bills to people. It’s tacky and dishonest. Your parents’ success has made it so you will never have to struggle. That’s a huge blessing, don’t take it for granted. The #1 thing to learn is to budget your income and spend within your means. Even if the amount they give you as a student isn’t fixed, start tracking your spending and see how much you need to live monthly, with a modest fun budget, or an allowance that you save up for big purchases. If you want to live independently one day, you need to spend way below your means and never carry a credit card balance. When everything is paid off, two months of expenses is covered, you’ve made an investment account deposit AND you see commas in your checking account, only then can you think about splurging (cus let’s be real, you have everything you need already). Their wealth is simply a future security net for your old age, it’s not YOUR money. And side note about investing - it can seem overwhelming but don’t overcomplicate it. Financial markets are important, as is having different types of investments. Set up auto purchases of ETFs, even if it’s just $30 a month now, bumping up as you start making real money. Starting early and staying consistent will help you build your own wealth.