The article discusses the current trend of many young adults still living with their parents, a situation that the author argues is due to overprotection and coddling by parents, rather than simply inflation or rising costs of living. The author, who is a parent of three adult children, argues that the right time to cut off financial support from the family is between the ages of 22 and 25. At that point, the children should be working, budgeting and learning to manage their money without their parents’ daily deposits. The article also emphasizes the financial impact of this on parents, noting that the money spent on bailing out children could have been used to build a nest egg or pay off a mortgage. The author also suggests a range of strategies for parents to help their children transition to financial independence, such as setting a deadline for the child to cover certain expenses, charging rent if they are living at home, and sharing retirement goals with them. Overall, the article argues that loving children doesn’t mean supporting them forever; it means preparing them to stand on their own two feet and protect their own future.