One of the problems with living at home with an adult is that it can enable some very destructive tendencies.
I had a friend who lived at home, and who couldn’t hold a job. He’d get a job, and be rolling in money for a while (not having many expenses). If the job got hard, or he got in a disagreement with his boss, it was too easy to just say ‘screw it’, and quit. He knew it wasn’t the end of the world. He might get yelled at by the parents, or he’d make up an excuse for quitting. Then he’d live off his cash for a while, and once it was out he’d sponge off the parents. Then they’d demand he look for work. So he would, half-heartedly. Eventally, he’d find another job. And within six months he’d find another excuse to quit.
Then he started buying things. A car loan, a stereo, etc. Now suddenly he couldn’t ‘afford’ to move out. His job didn’t pay enough for rent and the car. That was his new excuse for staying at home. And the job quitting pattern continued. I left the city around when he was still living at home, so I have no idea how it turned out, whether he ever got his life straightened out. But by the time I left, he was depressed, convinced that he couldn’t find a job that he liked and that would support him. He called himself a loser. And he was. But his parents were enablers of his loserdom.
At the same time, I had equally horrible jobs. But quitting was never an option. I had no choice but to work. Faced with that harsh reality, I went back to school, working evenings and weekends to pay my way through. Had he been forced to live on his own, the ‘easy way out’ would have been blocked, and he would have been forced to be responsible and to confront the reality of his situation. Instead, he just learned to duck and hide behind his parents.
That doesn’t mean everyone is the same. I’m sure there are plenty of people who live at home who could move out tomorrow and be just fine, and who are more responsible with their money and jobs than 80% of the people. Just as there are people who move out and never properly learn to take care of themselves and wind up bouncing through life from bankruptcy to bankruptcy, eviction to eviction, divorce to divorce. So you have to be careful not to assume everyone who lives at home is a loser, or that everyone who left home early is a model of responsibility.
Also… It’s not just about living at home. I’ve also had friends who lived alone and were equally irresponsible because their parents still bailed them out. Blow the rent money partying, and call mom and dad for a cheque. That’s also enabling a lot of dysfunction. A friend of mine was horribly irresponsible, lost his house for non-payment of the mortgage, and also bounced from job to job because his parents kept ‘helping’ him, so he never had that sense that if he screwed up he was going to crash hard. When his parents died and the safety net went away, it was amazing how much more responsible he became.