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Posted On 03.16.09

I moved out of my parent's home when I went to college. Moving back was never an option. Maybe because I greatly value my independence. And mostly because moving back would signal failure. Failure to be an independent adult; to capitalize on the opportunity that my parents gave me. To grow up and be a woman. To exist beyond my mother's apron strings and my father's advice. To be a personal and professional success.

My parents never told me I couldn't come back home. No one ever told me that moving back home means that I have failed. But because I see myself as an adult, and not a child or any longer my parent's responsibility, I can't imagine it being any more of a better idea to move in with my parents as with anyone else. I couldn't expect anyone else to deter me from my journey to self-sufficiency; why would I put this on my parents? Haven't they done enough?

Everyone says go home and figure things out. Everyone says going home saves you money. But I truly feel people who are saying this are being selfish. Perhaps the biggest problem with my generation is selfishness. That we only look at things from our own perspective; that we are foolish enough to believe that because someone cares about us, their perspective does not matter. Moving back home might save you money, but it costs your parents. It prevents them from downsizing. It slows their march to retirement. It prevents them from moving on with their lives. Furthermore, it is a cost that they have probably not planned on absorbing, after all the money they spent helping you become a productive adult by investing in education and other essentials.

Perhaps our parents should be as cruel to us as former generations, purchasing luggage as presents for 18 year olds, letting us know that they do not expect us to intrude on their lives after we are grown, beyond the time they expected to be responsible for another human being.

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Comments

03.16.09

Although, I am living on my own in the event that something were to happen—I would not feel like I failed by moving back in with my parents. I have always been independent and they know that I am not the type of person to “sponge” off of them. I worked full time while simultaneously attending college—so obviously I know how to work hard.

I think it would be more foolish to dig a further hole for myself when I know that my parents would be more than willing to help me out (I would go to them before going to anyone else ). No one makes it alone in this world and we all will encounter difficult times in our life when going home might be the only option we have at that point in time.

03.16.09

You could argue that Gen Y is a product of "helicopter parents" who baby their children and encourage them to stay home or come back if they need to. You could also say that it is more difficult to start out on your own fresh out of college than was for previous generations because of the inflated cost of living and now the crappy economy. I don't think this makes Gen Y a selfish generation because when you think about it, most people are "selfish" to some extent.

In my parents' culture, adult children (especially women but a lot of men do it too) commonly stay at home with their parents until they get married, it doesn't matter how old they are. Not necessarily because the adult children want to but because the parents do everything they can to discourage them from moving out. It's a self-feeding cycle where the parents disable their adult children by treating them like 10 year old kids and the children shirk some responsibilty. Because of this the parents continue to think their children are incapable of taking care of themselves and babies them even more.

This is not unique to my culture; I have seen this happen in America with this generation. Parents have increasingly done everything to insulate their children from 'harsh realities' and this is understandable. They say that the creation of 'suburbs' was for this purpose. People have spent years working in order to afford large homes and a higher standard of living; this can create unrealistic expectations for 20-somethings in the 21st century.

I am not pointing fingers at any one generation, mind you. I am trying to say that the circumstances are vastly different than it was in the past.

Beth Harris
03.16.09

LaTosha, I think there is a difference between being a failure and failing once.

Valerie, when my father was 17 (and a highschool graduate) my grandmother bought him luggage and strongly encouraged him to go out and be a man. She told me this story laughing, but I must say that I found it to show the great responsibilty for self-sufficiency that used to be placed on young adults.

I am not saying that there is never a reason to move back home. But I swear, people treat it as if it is to be expected, as if moving back home is nothing new, when they are grown men and women, and need to take at least a little bit of responsibility for their actions.

Yes we can blame helicopter parents. But ultimately, your life is your responsibility. And a 30 year old male/female, living in their parents basement after five or six years of not finding the perfect job is not the definition of success.

I am worried about my generation. That we will accomplish less than any other generation, though we have the potential for so much, because we suffer from profound selfishness and an overinflated sense of our own importance, without the balancing equivilent feelings about the importance of others. And that will be the undoing of all our potential.

03.16.09

What you are describing is really culturally dependent.

While I don't encourage people to move back in with their folks, I discourage it not because it's the wrong thing to do, but because those people leech off their parents and that is wrong.

In other cultures children do stay with their parents as adults, sometimes even after they are married. The relationship between parents and children becomes a symbiotic one where initially the parents are like room mates sharing expenses, and eventually turns into a relationship where the children help their parents in old age. There is nothing wrong there. I think that is great. In my opinion it strengthens the family bond between parents and their children, and if there are grandchildren involved, it strengthens their relationship with the grandparents and aunts and uncles.

Of course the underlying idea here is that you are not exploiting your relationships, and you are going back home not for personal gain (although this may be a side effect) but for family reasons.

US culture is different from these mediterranean cultures I describe. Who knows, perhaps it comes from the colder northern 'stiff upper lip' immigrants that came here in early waves of immigration. Is it right? well, that's up to debate.

03.16.09

I definitely agree with you that your life is your responsibility. I am currently saving money to move out of my parents' home and out of this state within the next year. I am only 21, I graduated in May 2008, and have already saved a nice chunk of money, so I think I am making great progress so far.

I think you are defining success as it has been defined in the past. The definition of success is constantly evolving, for better or for worse. In 1700, success was having a self-sustaining farm with 10 children who all pitch in. In 2000, success was having a great job at XX company and buying the $500,000 house with a picket fence and a BMW in Pleasanteville with 2.5 kids and a dog. I'm sure each generation thought the next generation was as self-absorbed as heck.

When you put it that way, using the 30-year old example, success doesn't mean living in your parent's basement for 6 years if you're going to be a bum and not contribute, or at least work towards moving out. I am not defending 30 year old bums, of course. But it is unfair that American society as a whole assumes that someone who still lives at home is automatically a bum.

I would point out that success isn't about your living arrangement or what kind of job you have anymore. Your father may have gotten a suitcase by his mother at 17 years, but this isn't 1950 anymore. It just isn't the same circumstances even if we DO take responsibility for our lives.

03.16.09

This is a topic that has come up a lot lately. I personally live on my own - I moved out when I started college, while my folks helped (some) with tuition, I fronted the bill for a lot of it, I've paid all my bills since moving out and at 23 years old I am an entirely independent adult with (no) financial help or support from the parental units.

It's tough - it's really tough sometimes. It got to the point where I didn't think I COULD handle everything on my own - I approached my mom once and we talked about the possibility of me moving home. It didn't go over well, so I sucked it up and told myself that it would make me stronger in the end, and that my mom was doing what she thought was best for me.

And it was what was best for me. I have stumbled along the way, I have had my head underwater with debt, I have been on the Ramen diet, but I have recovered, I have excelled, and while I may not be at a 'comfortable' place yet, I support myself and I get by just fine. The sense of personal entitlement and independence is something I greatly value. I know my parents love me - I know that if I was really in a tough place they wouldn't kick me to the curb - but they have shaped and molded me to the man I am today - and it's nothing to slouch at (I'm modest too).

As a generation, overall, we have the potential for success that no other generation has had before us, but at times we are hindered by our own laziness, and many do have too much 'fall back room'. As individuals, we have to roll with the punches, understand that there are going to be some hurdles to overcome, and appreciate that every experience, both good and bad, can and will make you stronger.

Beth Harris
03.16.09

Valerie, when my father got his suitcase, it was closer to the 80's :) I never said going home is never an option, but going home should not be as encouraged as it is. I believe that the stigma is fast disappearing, and people are even becoming proud of their ability to continue to use someone else's resources and avoid becoming responsibile and self-sufficient adults. It is beyond going home upon graduation because you need to find a job or you are getting ready to go to grad school in the fall (I did the same thing, for a month). And it can be the undoing of our generation if, instead of looking to be a success, we have so distorted the definition of succes to where there is no failure.

By the way, I have helicopter parents too. They went above and beyond the call of duty consistently, from private school to paying rent in college. But I will never pretend this doesn't cost them. Or that I should ever impose on their kindness now that I am perfectly able to take care of myself.

Matt, I was on the Ramen diet too! I keep some around. Because, somewhere along the way, I started to like it.

03.16.09

It's been a tradition for our family. My paternal grandfather came to Hawaii as an 11 yr old orphan to work the sugar cane and pineapple fields. Even though Dad was the youngest kid, he got his suitcase and moved from San Francisco to Los Angeles to go to college. Me? I didn't get a suitcase, just a duffle bag and a ticket to Ft. Benning GA.

And it's also been a tradition that, while we are welcome to visit, visits are limited to 3 days.

It's only a little more than what my friends have done. After helping set up a household for each of their 5 kids, when the last one graduated, they moved and left only an email address. :)

03.16.09

Beth, true there is a difference between being a failure and failing once. I just got the impression from your post that going back home was not an option under any circumstances—which I definitely did not support.

Matt, I also paid the majority of my tuition too (hence why I simultaneously worked full time and went to school full time) so I wholeheartedly agree that my struggles have made me a stronger person. You grow up a lot faster and have a tendency to appreciate things more when you pay for it yourself!

Mandy Stahl
03.16.09

I completely agree with Beth. I moved out of my parent's home when I left for college and did not fully move back home even during the summers between semesters. I think my parents would welcome me back, but would not encourage me to come back home now that I am on my own. I could not imagine moving back home and not paying my parents for rent and expenses as many of my friends from college have done. I think this shows the selfishness of our generation. To think that we can move home and not support the household, but instead save our money and while our parents who are much closer to retirement foot the bill.
I would absolutely think of myself as a failure if I were to pack it up and move home. I avoided this by moving almost 800 miles away to a new city without a job or friends in the area. I struggled at first and lived uncomfortably on the super cheap which I would do again before moving home. I have done well since that time and I am happy with what I have gained in the process. Hopefully I will not have to face the day where I am forced to live at home because if I do I will lose every ounce of my independent spirit.

KateNonymous
03.16.09

I moved back to my parents' house in 1993, when I had spent a year after grad school trying to find a job. Literally thousands of resumes for a wide range of options.

Shortly before I moved, I had an interview for a job in a nearby city. I had a second interview and got the job. Time at home? Less than six weeks.

My parents were delighted to have me at home, but if I'd been there any longer, I'd have been expected to contribute financially in some way. Although I have always been very close to my parents, I was delighted to move out. I can't imagine moving back, because I enjoyed having my own space. (Since getting married, it's not entirely my own, of course, but that's a different story.)

I have one friend who still lives at home. Why? Because living at home has infantilized her to the point where she effectively can't move out.

I think there are advantages to the multi-generational household, but very few of us in the U.S. know how to make that work for all parties. It hasn't been a part of our culture for a long time, and to a great extent, it never really was on a large scale.

Rob
03.16.09

@Beth: "And it can be the undoing of our generation if, instead of looking to be a success, we have so distorted the definition of succes to where there is no failure."

Well put.

jvaron7
03.16.09

Do you believe using credit cards signals a failure to be financially independent? Do you also believe that renting an apartment is another sign of dependence?

I agree with you that raising children to be independent and self-sufficient is incredibly important, but I do not think you can blanket statements such as, "moving in with your parents makes you a failure and not independent." To each their own opinion: if it feels like a failure to do that to you, then so be it.

But generalizing an entire generation as selfish because some choose to take their parents up on the offer to, for example, save money and spend time with the family in the process, I don't agree with. Plus, if you live out on your own, chances are you are putting a lot on credit cards because prices are insanely high and income is insanely low at this time. To me, it's all the same. You're either borrowing money from creditors and paying interest to them or you are borrowing time/money from your parents (who are a lot nicer when you don't pay them back or don't even want money back).

I think it's awesome that you are out on your own and it's admirable, truly. I just have a hard time agreeing that people who move back in with their parents are failures, selfish, and dependent. That's a lot of labels put onto one act that most people believe is responsible.

Beth Harris
03.16.09

Jamie, I don't live on a credit card and I don't live with my parents. I choose to live within my means. That is what living by yourself (or with roommates that you contribute to equally) requires. I learned what this meant in college, when I made tough choices like paying the light bill and eating Ramen. But that is life. And I believe that, except in very narrow situations, moving back home with your parents is an incredibly selfish decision, a sign of failing to achieve, a diversion from the path of self-sufficiency, and generally a bad idea.

Certain young people who return home these days are leeches. They live at home and do nothing to pay their own way. And they abuse their parents kindness. Those are the young people who I think are "failing." They make all the young people look bad, pitching poorly thought out business ideas from their parents' basement without a credit history and without anything of their own. Spending their parents' money. Eating their parents' food without thought to contributing. I could go on and on. I have friends like this, and while they try to assure me that their parents love the arrangement, their parents wonder what they did wrong (aloud, to my parents, and my mother will tell me from time to time).

And, by the way, you can spend time with your family living down the street from them. Or a few hours away. I have done both, and I really enjoy having my mother come for the weekend and having exclusive bonding time, and having my dad come, enjoying his company, and him putting together my entertainment center. I love my helicopter parents and I love being with them, but I promised myself not to abuse their kindness.

Moving back home is not cool. It is not the new best thing. It is, more often than not, a selfish decision. And my generation, quoted in CNN as saying "everyone should do it" looks like a failure at self-sufficiency for it.

katenonymous
03.16.09

I think it depends. Some people move home because they have a specific goal--getting a job, saving for a move, etc. I don't think that's the same as never moving out and just living off of someone else.

The key, I think, is whether you're contributing to the household, or just taking advantage of generosity. There are a variety of ways to contribute, such as making straight cash payments, or paying specific bills--and of course helping to clean up, etc. The particular combination should be up to the family to determine.

I also think that if the parents are not happy with the arrangement, then they need to make other arrangements. If they feel that they are being taken advantage of, then they should speak up and set different terms with their child. There's more than one party in such a situation.

Benita
03.16.09

I happen to come from a culture where parents EXPECT and almost DEMAND that kids move back home after college and live there UNTIL they get married. If the son or daughter finds a good job out-of-state or the commute would be like an hour or more each way, then moving is acceptable.
I lived on my own when I moved to the Midwest for law school. Unfortunately, I just graduated in Jan. in a rather dismal economy and much as I WANT to live on my own, it is impossible when you're UNEMPLOYED (and believe me, I'm applying to every job possible- although apparently, I'm too "overqualified."). The COL in NJ is also really high and rent in my area is ridiculous even though we're not Morris or Bergen counties (among richest counties in US). I need to be able to get around by public transportation so NJ/NYC was the logical place to be.
Is it better for someone unemployed to be homeless rather than living home TEMPORARILY? Would being on the streets or living in a motel be considered "success" under the circumstances and living at home "failing?"
Believe me, I hate living at home and will take any job at this rate (for my sanity and move towards independence, as well as pay off student loans). I just got groceries and FOUGHT with my dad to let ME pay for them with my money rather than theirs. I actually do try to help out with finances and resist them paying for expenses. I've tried (with little luck) to get them to let me pay for my personal expenses (travel, going out, student loans) but they refuse.
What do you do with parents who refuse to take their kids' money only because it goes against our culture in which parents help kids no matter what age? I consider it "parental insurance" as a means to use it against us in the future so we don't put them in nursing homes (their generation is very terrified of this b/c it's unheard of in India.)
Since they refuse to let me pay for stuff, I at least cook, clean, etc. That much they will let me do.
Let me point out that my parents are NOT "helicopter parents." I worked as a teenager and used that money to pay term bills for college (what loans could not cover). They didn't foot the bill entirely for college nor pay for private school, etc. I also worked during college and used that money for college tuition as well. I am very proud of the fact that part of that money is still in my savings account to this day. I'm not into spending and shopping sprees.

klintfinley
03.16.09

Where does this notion that Gen Y (or whatever people are calling it today) is selfish and lazy and yet also has some sort of potential for "greatness" come from? Our generation is saddled with lower wages, less job security, and higher prices for tuition, housing - everything. We have no more 'potential' (what does that even mean?) than any other generation and more obstacles.

We are the generation that has to live with the effects of environmental devastation and (along with Gen X) support retiring boomers. This is the generation that is that is fighting and dying in Afghanistan and Iraq (as ordered by Boomers).

And I don't really hear a lot of us complaining about how old people sold us up the river. Mostly, I see our generation working our asses off on crazy alternative energy and urban farming schemes, protesting the war, and just generally trying to come up with solutions for all these problems we've been saddled with. Where are these whiny, selfish brats I keep hearing about? (Or is complaining about global warming, a disintegrating economy, and expensive, pointless wars the selfish and whiny part? If so, then I'm guilty as charged). I don't think our generation is any better or worse than any other generation.

@Beth Harris - Can you provide any specific examples of how our culture is encouraging people to live with their parents into their 30s? Because where I'm from "you live in your parents basement" is still an insult.

A case can also be made that NOT living with your parents until you are older is selfish. In many (most?) countries, multiple generations live under one roof. Everyone helps each other out and contributes. Having your own place and depriving your parents of your emotional support and help around the house can be seen as wasteful and selfish. (I am very wasteful selfish in this regard. I don't live with my parents and I do not want to).

cooper.olivia
03.16.09

Unfortunately the cost of living increase over the last 15 years has been disproportional to the increase in salaries and wages in many industries, in a large part of this country, making it more difficult for many of our generation to live after college.

Yet there are a number of people my age choosing to live at home because they don't want to sacrifice the nice car, good clothing, cable telly channels, and dinners out, while trying to make it on their own. This I don't understand. Yet if someone is struggling through grad school, and is having a hard time meeting the cost for basic necessities, I can't disparage them if their parents are willing to take them in. I just think it is worth it to think about it first, and make sure the parents aren't sacrificing anything because of it.

I don't think a blanker statement can be applied to all of our generation anymore than a blanket statement can be applied to past generations, each case is different.

Beth Harris
03.16.09

This is my blog entry. I just can't sign on at work ;)

Benita, with it's history in individualism, personal responsibility, and bootstraps, the United States has generally never encouraged moving back home as an adult. Unless it is the care for an aging parent. And definitely never to move back home so you don't have to pay bills. I do know things are different in other places, but this idea of letting your parents foot the bill was never my understanding of one of the cultural differences.

Klint, I think we do have potential because for many of us, our parents gave us amazing opportunities that other generations didn't have. We have access to more education opportunities, and live in a much bigger world. We have greater resources at our disposal. We have unprecedented access to technology. What will we do with these opportunties is the question.

If you want to move in and help your parents, then by all means, that is a personal choice you must make about your resources. But so often I see in the media (CNN had two in the prior week) people in my generation making statements at how great it is to be able to move back home with their parents and quit their job and think about what they really want to do. And they don't ever talk about how they are inconveniencing their parents, or how they plan to contribute to the larger household. They just talk about taking, and taking, and then say how smart their decision is. It makes me sad. And ashamed of my generation. And fearful that this will become the norm. And that we will become a generation of leeches.

klintfinley
03.16.09

Correction: to say we have more obstacles than ANY other generation is not correct. That sentence was badly structured. We have more obstacles than the Boomers and Generation X. Even this varies - racial minorities have fewer racial obstacles (but new economic ones).

And of course we're not the first generation to go to war, but we are the generation *currently* at war.

My thesis, better articulated: every generation worries that the next generation is somehow worse than them.

The TV show Mad Men portrays this ongoing cycle wonderfully.

I wrote about this previously: http://renegadefuturist.com/archives/2009/02/18/generational-differences/

klintfinley
03.16.09

@Beth - A couple CNN spots about how some people from our generation moved back in with their parents and they didn't mention whether they were helping their parents out (which could have to do with video editing) = a widespread cultural problem with our generation encouraging failure and living with one's parents for years and years without a job or even helping out with the chores. Got it.

katenonymous
03.16.09

@Klint, on the other hand, when I finished school and started my job search, it was the middle of a recession and we had just wrapped up a (very brief) war but were beginning greater involvement in the Middle East. Most housing was certainly more expensive than I could afford (which is why my first apartment flooded in the rain). There wasn't a lot of job security then, either.

There's another aspect to student debt that I don't see mentioned. It's true, tuition has gone up. However, for years now I've seen the following advice to parents:

"Save for your retirement first. Don't worry about your children's college educations. There are lots of ways to pay for college. Let them get the loans; they have lots of time to pay that off."

Now, I'm not saying that parents shouldn't save for their retirement, because clearly they should. But I suspect that the advice resulted in less saving for college (in spite of newer methods like 529 plans).

Beth Harris
03.16.09

Klint, just go to CNN and look at the layoff stories. At least two of them last week brought up this issue. Stories I can think of are where they interview young people and get great quotes about quitting jobs (or law school) and ending up at home because of the economy. I don't know how the economy makes you quit your job, but I digress. At any rate, it seems that CNN (unless they are being extra snarky and obtuse) is presenting the decision in a favorable light. And these young people go on and on about how smart this decision is. In the latest article, one of the young people said more people should do it. I just feel sorry for the parents.

A few years ago, I thought this was a phenomenon. I am still not saying it is super common. But as it grows in popularity, the language is changing. It is couched in phrases to make it seem like everyone is doing it. Maybe I'm weird, but I try to think about someone other than myself. And not to be a burden. So moving home, that is only a choice if there isn't another one left. Which to me, is a pretty ominous sign of failing. Maybe it is because I failed before (as has everyone), and I don't think it is the end of the world. But I do, however, think that making this type of failure seem like success is really really not cool.

Regina
03.16.09

Klint,

Case in point:

http://blog.penelopetrunk.com/2009/03/11/twentysomething-why-its-smart-t...

"Not too long ago, I started a new job, in which I moved my self from point A (college town) to point B (Bay Area). This was supposed to be my career launch. It took me about two weeks to admit to myself that I was unhappy. So I quit.

I had the security of knowing I could go back to my parents’ house to live. (Which, by the way, is such a good idea that 65% of new grads do it.)"

jvaron7
03.16.09

@Beth - I don't see how anyone other than yourself moving back in with their parents affects or offends you? It's strange to me.

I mean, who knows? Maybe these people who get to save money and figure things out without being bombarded with astronomically high bills and extremely low salaries, are going to be some of the people that have the time to step back and do their part to change the world.

I think it's great that you didn't rely on credit cards and still don't, but I'd say, in America, you're among the minority there, not the majority.

03.16.09

I've lived out of my car for almost a year, rather than impose my presence on my parents, because I lost a job.

Teresa
03.16.09

Wow. As someone who made the decision to move back in with her parents when she lost her job, I'm slightly offended by this post, but the rational part of me can see the logic in what you're saying. You're not necessarily a burden, though, when you go home. It's really a matter of perspective.

When I approached my parents with my concerns about staying with them, the first thing they said to me is, "When are we ever going to have you around like this again?" I never thought about it that way, but it is great to be able to spend this kind of time with my family. When I leave again I plan to be out for good, but for now I appreciate my decision to move home and I know that my parents are happy to have me around.

I've also made sure to control my expenses, make smart financial decisions (i.e., not live off my credit cards), and contribute as much as I can so I don't burden them with my job loss.

Moving home doesn't mean you have to revert to the 16-year-old version of yourself. It's a humbling experience. And if you do it right, you don't put the burden on them; instead, you give them and you a great opportunity to spend more time with family.

Beth Harris
03.16.09

JRandom, while I think you are being facetious, I would never say don't move back home ever. If I lose my job, my parents know I would probably move back home. But it would be a failure. Losing my livelihood is not a success!

Jamie, have you ever lived on your own? Your comments worry me.

I don't think an individual moving back home has anytyhing to do with me. But a cultural phenomenon, where people in my generation seem to think it is cool and where other generations might find it otherwise, worries me. I would hate for this to be the legacy that people read about my generation: the generation that could have done so much, but decided to move back home.

Bills are not necessarily astronomically high. Outside of select costal cities, living within one's means is very possible. If anything, living on my own and having very little taught me what is important, and helps me live within my means. And no, most Americans do not live on credit. Rather, I suggest that there is a silent but great majority of adults (many in my generation) that live within their means, pay their bills, are responsible, don't live off their parents, and should remain the cherished norm!

03.16.09

Beth I agree with you to an extent, but there is a major problem: this assumption is too general. Sure you moved out and you were able to afford to do so and save a little on the side, but your circumstances are not the same as everyone else's and vice versa. Yes there may be a trend of more young adults staying home; excuse my young 21 year old self who never left my parent's house yet, but I still think that you are downplaying the factors behind this phenomenon. I continue to stand by my opinion that the situation now is VASTLY different than it was 50, 30, 20, and even 5 years ago. There is a difference between leeching and living at home with a valid purpose and you are still contributing or at least supporting yourself. As for the "cherished norm," what exactly would that be? Maybe for you and your father and your grandmother, moving out is a tradition and is expected. It differs from individuals, families, cultures, and generations. I've implied before that "norm" is misleading because the "norm" is always evolving!
Anyway, I will agree to disagree with the message of your post. Great post and great discussion!

joshbauerle
03.16.09

@beth harris,

"Rather, I suggest that there is a silent but great majority of adults (many in my generation) that live within their means, pay their bills, are responsible, don't live off their parents, and should remain the cherished norm"

Are you kidding me? That comment alone indicates you have absolutely no clue how bad the average persons finances are. Which would also explain how you could take such a terrible stance on the subject of moving back home after college.

Calling people who move back home after college (I was not one of them, FWIW) "failures" is at best irresponsible and at worst insanely ignorant. It's great that you have a Harvard law degree, and I'm sure you worked very hard for it, but not everyone has the luxury of having a career choice that pays them enough to survive on their own without going into serious debt.

Kudos to those of you who chose to be financially responsible and live with your parents instead of starting off your adult life with serious debt. Perhaps if more of the other generations had done the same we wouldn't be inheriting their financial crisis right now.

Moving back home after college is an excellent option for many college grads. If you have so many friends who are leeching off their parents for no reason and putting them in such hardships, I'd suggest finding more ambitous friends instead of calling an entire group of mostly responsible people failures.

Benita
03.16.09

@ Beth
I find your views on this interesting and do agree...to an extent.
I don't like to judge people but you come across as not having exposure to other cultures. As another poster has stated, multigenerational living under one roof is actually very common and the norm in other countries outside the US. It's actually considered selfish to leave and strike out on your own and not consider the impact that would have on the family (less resources pulled together).
Frankly, the concept of focusing on the individual as opposed to collectivity is holding the US back. The "rising" third world countries are able to make do on so less and therefore willing to settle on lower wages (that's what they get paid with our outsourced jobs) because they are willing to make sacrifices such as living in a multigenerational home with parents and siblings sharing expenses for a home owned by all.
We Americans are so entitled and focus totally on ourselves that we're not willing to lose our individuality and independence. While this is admirable, it can also be a hindrance. Imagine what a difference it would make if more families here in the US would be willing to stay together.
Not only would familial bonds be stronger and healthier but we would as a nation probably be in less debt!
I will say that for me, having been born and raised here in the US, the "joint family system" would probably not work - at least not infinitely. But would I be opposed to it if everyone got something out of it such as saving money, companionship, etc? No.
I do agree with you that majority of adults including Gen Y, young Gen X do live within their means, pay their bills, are responsible, and don't live off their parents.

Benita
03.16.09

@ Beth
I find your views on this interesting and do agree...to an extent.
I don't like to judge people but you come across as not having exposure to other cultures. As another poster has stated, multigenerational living under one roof is actually very common and the norm in other countries outside the US. It's actually considered selfish to leave and strike out on your own and not consider the impact that would have on the family (less resources pulled together).
Frankly, the concept of focusing on the individual as opposed to collectivity is holding the US back. The "rising" third world countries are able to make do on so less and therefore willing to settle on lower wages (that's what they get paid with our outsourced jobs) because they are willing to make sacrifices such as living in a multigenerational home with parents and siblings sharing expenses for a home owned by all.
We Americans are so entitled and focus totally on ourselves that we're not willing to lose our individuality and independence. While this is admirable, it can also be a hindrance. Imagine what a difference it would make if more families here in the US would be willing to stay together.
Not only would familial bonds be stronger and healthier but we would as a nation probably be in less debt!
I will say that for me, having been born and raised here in the US, the "joint family system" would probably not work - at least not infinitely. But would I be opposed to it if everyone got something out of it such as saving money, companionship, etc? No.
I do agree with you that majority of adults including Gen Y, young Gen X do live within their means, pay their bills, are responsible, and don't live off their parents.

03.16.09

Beth,

11 months after I was laid off by McDonnell Douglas in October of 1988, I was evicted from my Long Beach apt, and lived out of my car for 9 months, till June 1990, when I got a new job and had saved up enough to put a deposit down on an apartment. You may think it facetious, but I can assure you I wasn't the only one living out of a car then in Southern California.

At the time, my parents were already stressed by things like my sister going through a divorce, Mom's recurring cancer and Dad's problem hip. Me moving back home would have only exacerbated the problems.

03.16.09

For all the naysayers: There are exceptions to every rule. And I know what I advocate, if adequately personalized, can come off mean, and runs against the grain for every individual who feels strongly that moving home is a personal victory for them. I, however, feel that it is a failure to return to the nest, especially after spending so much time and energy preparing to leave it.

As with every other post, I advocate personal responsibility, honesty, and accountability. I have made choices I would not advocate, and live with the repercussions. I don't say I am perfect, but I do think about and try to glean valuable lessons from my mistakes. These are lessons I am trying to share.

And, most Americans are not living off their credit card. Not all, but most.

As a final note: everything you read, you personalize. By your experiences and by your opinions. If we are all honest about this, we can separate our personalization from what someone actually writes down, and we can respond accordingly.

joshbauerle
03.16.09

@Beth,

YOU are the one naming the exceptions. The majority of college grads who move back home are not just leeching off their parents. Of course there are those who move home and treat it like college, going out every night and refusing to find work. But THOSE are the exceptions.

And most Americans DO have too much credit card debt and are (or were) living beyond their means. If you are really trying to sit there and say most are financially responsible, you have had your head in the sand for the past year.

I did not "personalize" anything you said. I didn't go back and live with my parents. I don't consider your post mean, it is just terrible advice. For several college grads, moving back home is a fantastic financial decision and anything but a failure. But I do give you props for coming up with a controversial topic which cause heavy debate.

joshbauerle
03.16.09

@Beth,

YOU are the one naming the exceptions. The majority of college grads who move back home are not just leeching off their parents. Of course there are those who move home and treat it like college, going out every night and refusing to find work. But THOSE are the exceptions.

And most Americans DO have too much credit card debt and are (or were) living beyond their means. If you are really trying to sit there and say most are financially responsible, you have had your head in the sand for the past year.

I did not "personalize" anything you said. I didn't go back and live with my parents. I don't consider your post mean, it is just terrible advice. For several college grads, moving back home is a fantastic financial decision and anything but a failure.

But I do give you props for coming up with a controversial topic which cause heavy debate.

03.16.09

Josh, you are personalizing it. I wasn't addressing you!

Teresa
03.16.09

If I step outside of my personal experiences I can still say this --

The economic mess we're in right now was caused by (at minimum) these two factors: the greed of our parents' generation (thus making their childrens' return home their responsibility), and the completely irrational spending and living habits of the American public.

While in different times returning home was a sign of leeching or failing at life, the conditions we're in right now dictate that most kids, to keep from falling into excessive amounts of debt and severely hurting their chances of success, have little choice but to move home. In most instances the decisions these college kids make to return home after school won't be seen as regrettable but as the most intelligent action they could've taken to ensure a bright future for themselves.

You have every right to call it failure, but I personally see working in a job you hate and incurring thousands of dollars of debt to keep yourself afloat and out of your parents' house completely asinine. Pride gets you far, but smart decisions get you further.

I agree with Josh, though, that this was a great topic for discussion.

cooper.olivia
03.16.09

It is hard for those who may have adopted the strategy of life you attacked not to personalize it and respond in kind.

Beth, you made a more or less blanket statement about those who choose to move back home, and it is hard for people not to take it personally. I happen to agree with much you have to say, but I can understand how others might have felt the need to elaborate and disagree, especially if it applied to their situations or experiences.

To condescendingly dismiss what others say with "we can separate our personalization from what someone actually writes down, and we can respond accordingly" is really poor form, and quite condescending to those who are commenting. Most of these comments are very valid arguments either for or against or somewhere in between. Some people have different life experiences than you and of course they want to be heard after the post you wrote.

03.17.09

I never made a blanket statement about people who move back home. I have always made my comments specific to a reason for moving back home (to avoid the hard parts of being a adult). I never said anything in my blog post about anyone specifically, nor do I now. However, I do not think moving back home is financially responsible, which seems to be this ever-present trend in what my age group is saying. I do not think that moving back home is the answer to one's inability to manage their personal finances. I do not think moving back home is a good thing.

I never attacked an individuals experiences. This isn't about experiences. It is about there being such a broad definition of success for people in my generation, that failure becomes success. I knew there would be repercussions in a generation where everyone was given a trophy, even the losers, but I did not realize it would come to this.

And, our parents did not get us in the "mess" we are in now. A few people, spurred on by greed, got us in the mess we are now. My parents had nothing to do with derivative actions being deregulated by congress. And I would imagine that there are very few people whose parents did. I don't live off my credit card, and neither do they. I agree that generalizations about people don't tell the whole story. That is why I am not generalizing about people. And I am not speaking to someone's personal life story. All I am saying is that it is moving home because of an inability to pay bills and not succeeding at being a self-sufficient adult is failure.

joshbauerle
03.17.09

@beth,

Wow, you just have no clue what this financial crisis is about, do you? Saying it was caused by a few greedy people is unequivicably false. You think this entire mess is because of derivatives? Not even close. That is a tiny part of the equation.

The MAJORITY of adults carry too much credit card debt. FACT.

A TON of adults bought homes they could not afford. FACT.

It's great that your parents were financially responsible. But the majority of their generation was not. Again, FACT.

It's funny that you keep telling everyone who disagrees with you to stop "personalizing" it. They only one here who is personalizing it is you. You are taking YOUR financially responsible parents, YOUR ability to support yourself after college and YOUR apparently irresponsible friends who are using their parents and claiming anyone who moves back home is a failure. Sorry, your situation is rare.

My situation is actually very similar to yours. My parents were mostly financially responsible. I was lucky enough to have a well paying job after school and not have to move home. But I don't have my head in the sand thinking anyone who isn't so lucky is a failure.

And one more thing, when you take life expectancy into consideration, our generation probably spends the same, or perhaps less, percentage of their life living with their parents.

Craig
03.17.09

I definately disagree totally with the premise of this article. Yes your goal should be indenpendence; however, given the current socioecnomic structure i.e. massive amounts of debt when graduating college and low paying entry level jobs, it is not always possible to "live on your own." I don't think anyone in Gen Y thinks "Hey I can mooch off my parents forever and save up a fortune." I think the fact that we know this is an option drives us to take more initiative and take more entrepenuerial risks. I don't think that we're that selfish; which is pretty much a paraphrase of your article. Most people go back to live with their parents simply because they absolutely cannot live on their own for whatever reason.
My parents would welcome me and my wife in their house if for some reason I had to live with them(if they lived in the same city as me). In fact, they currently pay for 8/10 of my rent because they live in a another state, all of my gas, and my car insurance. I am 29 and married! My wife is currently in school, so her parents also help financially at times. All of this help has always been offered and we've never really asked for any of the help, but we all know that there's no way on my salary could she attend school and we still have a reasonably enjoyable lifestyle and not live in the ghetto. I don't enjoy having to rely on my parents financially, but for now its necessary.

Miles
03.17.09

I didn't leave home to go to college, so I guess I never had to return home. I'm not sure all of you who mention your parents "helped" with tuition can really claim full independence. I stayed at home for college and worked, because it was the only affordable option. Renting a place or living on campus would have meant more money required from me or my parents (my parents "helped" too by paying the full state tuition, and my job covered gas/parking/books/food/clothes whatever I needed). I wasn't truly independent from them until about 6 months after I graduated. I stayed at home after, started working full time, and paid a low rent. Sure I wasn't in the real world yet, but I had an excellent financial cushion. Rich families often help their kids by giving them money when they move out, for those of us of more modest means my parents were amazingly flexible and let me stay at home a little longer so I could save up that money myself. I just bought a home after the housing crash, with no "help" from my parents, only the money that I saved living there and those saving habits continued for years after.

Living at home is not failing as much as anything else (paying off debt, losing your job, accepting financial help from family) is not failing. We need to stop thinking of life as competition where we try to "prove" we are better than others because we think we had it harder or think we worked harder or think we were more independent. If your parents were millionaires would you turn down their offer to pay for college? Of course not. And if your parents have a home they are offering you to live in, there is nothing shameful in that.

03.17.09

I personally look at moving back home as failing. I put intense pressure on myself to maintain my independence and stand on my own two feet. However, I think this is problematic. There is already so much pressure to succeed and become independent that I think people who decry the youth for even thinking of moving back home have got the wrong idea. I don't want to move back home. I don't want to fail. I want to do anything and everything in my power to maintain my own independent existence in the world. However, keeping in the back of my mind that moving back home is an option if worse comes to worst prevents me from developing an ulcer.

03.17.09

Miles, I worked through school too. I often had more than one job (at one point, three). There is nothing wrong with hard work or struggling. I do think that some things in life, like losing a job, equal a short term failure. I fail all the time. I fail to properly balance my checkbook. I failed to pay my phone bill a few times, and ended up without service. Failing in one area of your life is not the end of the world. But we do fail. We are not amazing successes all the time. And moving back home is not a success either.

Brian, I think that it is a great thing that our parents are there for us, as far as potentially moving back home. But I still don't think that is a success ;) It is a backup plan.

Jason Simon
03.18.09

I didn't move home after college, but I have friends who were welcomed and even encouraged to do so by their parents. In some parts of the world and even this country, people don't leave home until they get married. Sure, it's the "American Standard" to move out and not return, but human difference prevails. While I didn't move back, I would have considered it if my current circumstances differed. And my parents would have been very excited about it.

03.23.09

I thinking moving home after college is fine. You don't have to sponge off your folks - you could pay them rent.

I also wanted to comment on the headline of this blog. I think dealing with failure is a bigger challenge for Gen Y, because their helicopter parents eliminating so much of the traditional failure from their childhoods. When I was a growing up, being a kid was all about failure. Only one person could be valedictorian, capitain, first place winner. In this respect, I think Gen Y was done a disservice.

Tiffany Joiner
03.23.09

It can be quite demoralizing to live with your folks, especially if you're like me and have a single parent. Unfortunately I pay for college and everything else but I recently made the decision to help my mom buy a house. The reason for this house was b/c she wanted all of her kids together (there's only 3: 23, 18 & 10) So I pay for the bills while she pays for the mortgage. Is it helping me and my own family? NO. But not just financially. Psychologically, its a downer since my mom is very independent and only in her 40's. In other words I'm not a burden but a big help.

It definitely depends on the family situation and I do agree with Beth when she speaks of those who move back home but don't contribute. Moving home can be the equivolence of living with roommates and honestly that's the only relationship that I will take while I am "at home" now. (Side question: Am I still "at home" even if my name is on the deed?)

03.23.09

Beth,

I think I get where you're coming from now. This is really a matter of how we each define failure. I'm not proud of living at home, but it's happened, and at some point it'll be over. Each person has their own failures to battle, and although we might not want to accept them, that doesn't change the fact that they are what they are.

I'd still prefer not to call myself or my move home a failure, but that's partly because I've got a little too much pride. This failed moment doesn't make me a failure at life if I learn from it, and I think that's the key. How else do we grow if we don't fall every now and then?

03.24.09

I really like what Teresa just said that "a failed moment doesn't make her a failure at life." That realization is HUGE.

As a bright-eyed, bushy-tailed, college grad I wanted to succeed in big, grandiose ways. And it took many years of struggling through "failure" until I realized that life sometimes is about stringing together one ugly day after another, believing something beautiful is still happening.

One terrible interview, for a job I never wanted, was not a summation of my life. God didn’t hate me because life wasn’t the exciting tickle-fest I envisioned at that moment. I wasn’t a failure based on the small, day-to-day "uglies".

So I've begun slowly (and sometimes painfully) realizing that success is found, not absent of failure, but in persevering through it.

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