Sadly, my daughter's 18 year marriage failed 3 years ago (he was a functioning alcoholic but more & more abusive)....she struggled on her own for 2 years as her income was/is pretty low as an admin asst. After 3 yrs and several months dating a man, she thought was so special turned out to be a louse who took her for $$$ out of her home by talking her into refinancing one month after marriage, she is now divorced again and she & my almost 17 year old granddaughter (straight A student and a love) live with us in our full basement plus an upstairs bedroom. We had been alone so long that it was quite an adjustment (we're both 65). My husband works parttime although we have a pretty good income. Our daughter helps and cleans and does her own cooking in the house all the time to help out but pays no rent, utilities period. Basically, although she works full time and receives child support (for one more year) there really is nothing left and she doesn't even have a car payment. Her health insurance is $300 plus a month, plus insurance on her & my g'daughter's vehicle is another $200 so after gasoline, groceries, other there isn't much left. 
 
There are some real "moochers" out there and this was pretty well displayed on Dr. Phil today...Good grief, a 36 year old with a degree from ISU who doesn't want to work in certain cities.....she really did need help. 
 
I, for one, really worry about my daughter after we're gone but as my hubby says, "she'll make it some way." 
 
Just my two cents. 
 
Loving Mom/Grandmom Jan 
 
PS. I'm an enabler, I do provide Direct TV hookups for both their TVs in their digs...they have to have some entertainment!!