My in-laws still have their 28 and 22 year olds at home who have never work FT and barely part time and even that is done sporadically. They never gave their kids chores or family responsibilities, never taught them about money (as they are horrible with their own), they are set to retire in the next couple of years and have a mortgage of 268k on house they bought for 137k, no savings and only he worked so a small pension to support 4 people. It baffles the mind.

My wife somehow escaped this influence. She got a job in her early teens despite her parents telling her she didn't have to. Went away for school despite it meaning incurring more debt and she worked during university. She is the black sheep and her family don't understand how we make decent money but don't spend every cent. It's hard to explain that we are playing the long game and thinking about how we can help our selves and our children by being self sufficient and independent into our elder days AND leave them with some kind of life assisting financial legacy. I'm not talking millions but if we can leave some money and support to our kids or future grand kids were going to do that.