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Topic : 03/29 Next Generation of Moochers

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Created on : Friday, November 04, 2005, 02:48:17 pm
Author : DrPhilBoard3

(Original Air Date: 11/09/05) Meet the "Boomerang Generation" -- children who attend college and then move back in with their parents after leaving the nest, sometimes multiple times. -- you can put a period at nest and delete sometimes multiple times.  Then, Kirsten, 36, has a great education but has depended on her family to take care of her for the last 18 years, and she's still living at home with her parents.  -- change to: Then, Kirsten, 36, has a great education but has depended on her family for the last 18 years, and she's still living at home with her folks.  Share your thoughts.

 

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November 10, 2005, 7:14 am PST

11/09 Next Generation of Moochers

Quote From: address

 I don't know where YOU live, but where I live no eighteen-year-old is going to buy a house unless:

a. Parents buy it for them
b. They inherited a wad of cash
c. Parents gave them a huge downpayment

To suggest that kids your age can do what you have done is just slightly beyond unbelieveable. At eighteen you don't have a college education, you don't have any money (having just graduated from high school) and so forth. You are to be commended for your energy and enthusiasm and hard work -- but please don't imply that everyone can just do it. I'm guessing you have had some help along the way besides the quick one-hundred dollar loan.

Lots of young families own their own home where I live.  The minimum downpayment is 5% because the government guarantees the mortgage (for a fee) and most banks will pay that downpayment if the couple locks in their mortgage with the bank. A  25 year mortgage can often have a lower monthly payment than rent. 

  

I don't know what the options are where you live, but it certainly isn't impossible everywhere.. 

 
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November 10, 2005, 7:19 am PST

Excuse Me

Quote From: twnty1inwi

 Im a moocher.. go figure.. 1st thing, yes, I do buy my own food, and dishes get done whenever the dish washer is full.. yes I have a job, why would I get a 2nd job when I work 1 full time job 6-7 days a week...  And look at it this way once.. I have friends that live on thier own.. they dont have a dime to thier name becuase it's thrown away at rent (something they will never own) kind of like leasing a car - pointless.  As I said before, I plan on moving out in spring, by then having enough to buy a new house. , Sure, I put over 1K away a month into my savings, but thats for a down payment on a house - again, why waste 700 of that on rent.  "Getting rid of a vehicle"  I have a car and a bike.. aka my toys.  someone said to get a used car - nobody in my family has ever had a used car, so I'm not about to be the first one.. And no, I dont think I'm entitled to a nice house as someone else said, the 2K payment is what my significant other and I could afford after a down payment on a house... not what I'm "entitled" to, but I'm not going to start off with a cheap, old house that Im going to have to fix up.. And I have offered rent, and  my parents refused.. They dont even want me to leave in spring when I go for a house..

This sounds like your the 2nd generation of spoiled!  NO ONE EVER had a used car!  You and your significant other can afford $2K a month house payment?  Let me tell you from 55 yrs of experience from the real world!  Most of the boomers (your parents age) were glad to have a nice USED car to drive until we got a little established in the world.  New cars then were $2K, houses 2 story were around $65K , groceries $35 a week!  Our parents were not enablers like the parents of today.  We had to get it like they did, work hard for it.   

  

But ok, so you can afford $2K a month for a home.  Have you thought WHAT IF one of you get disabled?  Do you know how that affects your monthly income?  WHAT if you have a child that needs constant care cause of an illness?  What if the cost of living skyrockets?  You do seem to have a saving mind, which is good.  Why not use it to your advantage.  Get a good used car that MIGHT cost you $220 a month, and put that EXTRA $200 that it would cost you for a new car in the bank for UNEXPECTED expenses?  And you should be directed, IF YOU HAVE A GOOD REALTOR (I am a retired realtor) that you might be able to afford $2k a month....but why not something that is $1K a month or less ($1k a month even frightens me) and there for have money back for the UNEXPECTED that comes with home ownership, new roof needed, furnance going out. 

  

Young people today want it all NOW!  The average Baby Boomer had to work 20 yrs to get IT ALL.  I am 55 yrs old and just now have my home and 2 new cars paid for!  Took me 25 yrs.  I am comfortable, can help my family when they need it , and didn't overextend myself to do it!  Put your expectations lower and you won't face the realization of respossessions.  FOOTNOTE:  Financial strain always puts stain on relationships!  And if you don't heed some of the advise given you, then bless you with what you will be dealing with with your children!      

 

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November 10, 2005, 7:29 am PST

11/09 Next Generation of Moochers

Quote From: twnty1inwi

 I agree to a point.. Yes they pay for the house, and heat.. and I don't use water at home, I haven't showered away from work for the last year, since I work 6-7 days a week.... But the way I see it also, is that wether I was there or not, they would have to pay the house payment and heat payment... and when I am home I'm sleeping most of the time, so it's not like im a neusance around the house.
One of  your earlier posts refered to a "$2000 house payment" that you couldn't afford if you moved out.  Good grief!  Our house payment is half of that for a 4-BR 2-story 2K sq. ft. family home in a notoriously high-property-tax area, and the payment includes taxes and insurance.  Maybe I'm living on another planet, but I think if you look carefully you can find lodging for considerably less that $2000!
 
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November 10, 2005, 7:29 am PST

11/09 Next Generation of Moochers

Quote From: alicekja

I agree with the people who have expressed the difficulties for young adults of covering costs such as: paying rent (here in Minnesota $650/mo), food, $350+/mo, Utilities/phone $230/mo., health insurance/other health costs: $180/mo., transportation car payment/insurance/tags: $250/mo., clothing/uniforms/shoes for work $85 mo.,  student loan payments $100-200/mo.; Total: 1615-1945/month, and I'm probably leaving out something.  Median wage in this town:   $11/hrX160 hrs of work per month=$1760.    This means a monthly deficit of almost $200 and nothing left over for anything extra, like socializing with friends, buying a pizza or going out to a movie/getting a DVD, buying makeup, toiletries,etc. 

  

Most young people DO share housing expenses, and that helps, but you can see how it is a challenge to save up for buying a house, and God forbid that anyone should get pregnant and have a child - a nightmare of increased expenses and getting further and further behind.  A recent survey of University of Minnesota unionized clerical and technical employees (avg. wage - @$16.00/hr )discovered that a huge percentage of those people are using credit cards to buy groceries or pay for medicine costs for family members, and feeling further behind, racking up that personal debt that crushes so many into bankruptcy.  How can we promote the "ownership society" when young families aren't making enough to have children, much less to own property? 

  

  

 Thanks Alice for admitting what is true, and that isnt just YOUNG people but middle aged people too. I know plenty of people in their 30s and 40s including my household struggling to live on such incomes. Just getting further behind. God help you too if one person gets sick and you add medical expenses into the mix too.
 
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November 10, 2005, 7:35 am PST

11/09 Next Generation of Moochers

Quote From: shubb61

I did not get to view all of todays' show, but I do agree that our kids of today are not as prepared as we were as kids. We knew that when we finished high school that we were to go to college, get a job and move out and take care of ourselves. We did not know any other way.  

My son for instance is 20 years old is in his 3rd year of college, living at home, working full-time and can't seem to make ends meat. Excuse me, but it is time for him to go out on him own.  

My husband and I struggle with this, because we feel that he may not continue on with college if he has to pay rent on an apartment. I feel that if he so chooses that is his choice.  

He has his privleges, he comes and goes as he wishes. He does his own laundry. We pay the house expenses. We buy the groceries, pay all utilities, but he never offers.  

I guess my confusion is when is enough? 

He works the night shift 5 days a week, goes to school during the day, comes home and sleeps when he can. He does not help around the house, because in actuality he does not have time and when he has free time he is pretty much sleeping.  He goes out for fun when he can on weekends. He has gotten himself into financial debt his first year of college(credit card) and is working to pay this debt off. I admire him for that, but my struggle is, with him at home and not having to pay his own bills,(ie: rent, utilities,food,payments) should we continue to allow him to live at home or are we hurting him more by allowing him to live here. 

We see him spend his extra money on play things, or him going places with friends, which I know he needs to do some of that to vent, but when we don't see him save  his money and he continues to spend it unneccessarily what are we to do? 

I know I sound rambling, but I recently gave him a time limit. I told him that during his christmas break he must find a place of his own. He needs to find out what the real world is all about. He is angry at this, but I told him that he has no respect for his parents house and he thinks he ows us nothing.  I don't expect him to owe us anything, but respect! Clean up after yourself, be a part of the family, participate with the family  when he can and offer assistance when he sees the need. 

He just wants to come and go and not be bothered. He keeps his room a shambles, he hardly ever cleans up after himself(leaving dishes out). He constantly says he has no time? 

I struggle with what to do and how to offer suggestions to my husband. He is afraid that he will drop out of college and work full-time to pay his way if we give him an ultimatim. I feel that he needs that ultimatim. We did it and we did fine on our own. I think he needs to too! 

I could use some advice. 

  

  

 So your son works all night, goes to school all day....

When IS he supposed to sleep?

You know human beings need 8 hours of sleep a night  [some can get by with 5] or they get very ill...

When would have have time to clean or participate with the family?

I mean seriously....


 
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November 10, 2005, 7:46 am PST

11/09 Next Generation of Moochers

Quote From: jaf31260

My son is 26 and lives with me,  he got married young and divorced.  He has a 6 yr. old daughter that he pay's child support for faithfully.  We live in New York,  where the rent's are out of control.  He can not even afford a studio apartment.  He make's about $10.00 per hour and the rent's are NO Less than $1000.00 per month.  Yes,  I would love for him to get out,  but right now it's impossible.   I totally agree with you..................Dr. Phil need's to check things out around the country and see how expensive thing's are in certain state's.   My 21 year old daughter had to move to Virginia so she could afford to live. 
I agree.

I left a big city where I ended up liivng in basically what was a ghetto WHILE WORKING more then full time and barely surviving. [I wasnt a moocher, I moved to a place I knew no one instead of going home to parents in my mid20s]

I left to go to a rural area, where survival is easier but as the years past and ones pay stays around 10,11, 12 an hour, the prices have kept going up. Things have gotten tough again.

I noticed the poster making 40,000 a year barely making it. Where I live that would be a lower middle salary--ie you could afford a basic apt and decent level of living. He must live in California or some other expensive area. I once read that to live decently [decent apt, car, etc]in NYC, you had to make at LEAST 100,000 a year.
 
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November 10, 2005, 10:32 am PST

have you researched mood disorders?

Quote From: stepmom234

Most of what I have read about Asperger's was concerning children.  My seven-year-old's developmental pediatrician  suspected  that he might have it because he started reading at 2 1/2 and was obsessed with letters as a baby and the "little professor" description kind of fit and he had some motor delays.  But after she talked to him she said he did not have it because he is extremely social.  In fact I would even call him socially gifted because he picks up on things I don't notice about people and I think this is one of the reasons he is a good actor in our local musical theater.     We had to fill out information about family members at the developmental pediatrician's office and she thinks my son's 31-year-old half brother might have this but I couldn't find much info about adults with Asperger's.    I was wondering if it might have something to do with his problems keeping a job and being content to live with other people and not wanting to do anything but stay on his computer.  He also doesn't seem to care about personal hygiene and my husband has to remind him to take a shower.    My stepson is so extremely smart that I have trouble understanding how he could forget to do very basic things like picking up coffee cups in his room that have been left there for days.   The computer just seems to be the most important thing in his life.      

  

He is working now making very good money but I worry that when he moves out there won't be anyone to remind him to keep himself clean and take care of himself.    But he just can't stay with us much longer.     

 
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November 10, 2005, 10:37 am PST

I must be a horses ASS

  

  

My son and his girlfriend moved into our house. They were both 19 at the time. The girlfriend was pregnant.  

  

I told them they had 3 months to get jobs and get their own place. They had to help around the house and I asked they didn't eat or drink in their bedroom. 

  

Well, they never helped around the house and they didn't follow my rule about the food or drink in their room. And they didn't get jobs. 

  

I kicked them out on April 15, 2000. I put their stuff out on the porch.  

  

They got the message from us.  BUT NOT FROM HER PARENTS.  They ended up paying for everything. Phone, apartment, car and insurance. 

  

Then my son got a good job and was with the company for 3 months. So we helped them buy a house. They put 3000.00 down and we matched it. My son lost his job and found a new girlfriend. (Not the right move!).  My sons girlfriend thought she was going to live in the house for free. Now she had another baby. I gave her 3 months to find a job and move out.  

  

Well, she didn't and we kicked her out!! All of my friends couldn't believe I did it, but I did. Her parents again came and bailed her out. 

  

Now the mother of my grandkids works and goes to school. I am so proud of her for supporting her kids. 

  

My son works and has been with his new girlfriend for 3 years.  

  

YOU HAVE TO HELP YOUR KIDS BE ADULTS!!!! 

  

VICKY 

 
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November 10, 2005, 10:37 am PST

Have you researched mood disorders ?

Quote From: stepmom234

Most of what I have read about Asperger's was concerning children.  My seven-year-old's developmental pediatrician  suspected  that he might have it because he started reading at 2 1/2 and was obsessed with letters as a baby and the "little professor" description kind of fit and he had some motor delays.  But after she talked to him she said he did not have it because he is extremely social.  In fact I would even call him socially gifted because he picks up on things I don't notice about people and I think this is one of the reasons he is a good actor in our local musical theater.     We had to fill out information about family members at the developmental pediatrician's office and she thinks my son's 31-year-old half brother might have this but I couldn't find much info about adults with Asperger's.    I was wondering if it might have something to do with his problems keeping a job and being content to live with other people and not wanting to do anything but stay on his computer.  He also doesn't seem to care about personal hygiene and my husband has to remind him to take a shower.    My stepson is so extremely smart that I have trouble understanding how he could forget to do very basic things like picking up coffee cups in his room that have been left there for days.   The computer just seems to be the most important thing in his life.      

  

He is working now making very good money but I worry that when he moves out there won't be anyone to remind him to keep himself clean and take care of himself.    But he just can't stay with us much longer.     

Not saying he has a mood disorder, but asperger's syndrome is usually comorbid(multiple diagnosis).  My daughter has not been diagnosed with AS, but does have Bipolar Disorder and has a lot of the symptoms as AS.  She often has to be told to do little things like shower, put deordant on, brush teeth, etc. 

  

  

Most BPers are highly intelligent in some areas and slow in others. My daughter is 15, in 9th grade and has a functioning level of 5th grade in math but college level in writing.   

  

She is very black and white, needs to be told how and when to do things that she has done millions of times.  She spends all her free time on the computer, if we let her. 

  

I could not imagine her being on her own and being able to survive daily life.  

  

I hope I can teach her how to be self sufficent and reliant, but I think it will be a long time coming. 

  

  

 

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November 10, 2005, 10:37 am PST

Don't like to be called a Moocher

 I watched part of the Dr. Phil show the other day (wanted to see the whole thing, but the station pre-emptied part of it for the bombing in the middle east), and I must say that I don't like being called a moocher just because I am an adult and living with my parents.  As peepinbud said today isn't the same as it was 20, even 10 years ago.  I will relate my story.  I graduated from highschool in 1997 and went straight to university.  Received all A's and graduated with honors in 2001.  I then went on to vet school, which I just graduated from this past June.  I have absolutely no money (8 years of school with not working can do that to you) so I had to move back into my parent's home (not that I wanted to).
It has been 7 months now and I still haven't found a job (due to being a new grad and having no experience as well as living in a very competitive area).  So I am right now 27 years old and having to rely on my parents for everything since I don't even have 10 bucks in my bank account.
If giving the choice right now, I would leave, but I can't until I get a job and start making some money.

And before anybody says just to get any job, it doesn't really work that way.  My education makes it impossible for me to get hired anywhere except for what I trained for.  Places don't want somebody that will continue to look for work, but rather somebody that will stick around for years.

So before you make judegments on some people, maybe you should look into the circumstances they have in their life.  Yes, some people have it easy and find a high paying job right away, but not everyone is that lucky, especially in this day and age, when there are more workers than ever.
 
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