October 05, 2014

Generation Slouch: We Pay For Our Adult Children’s Holidays

Before we get into the detail of the article, I really want to thank the team here for letting me post here with them. It means a lot to be able to get something published for my Michael May Money Blog at great site like this.

When I was 16, I chose to stay at school for A levels, something definitely optional at the end of the Seventies. As all of my siblings had left school at 16 and found jobs, my parents agreed to support me, provided I bought my own uniform and paid my bus fares to school, which seemed fair enough and comfortably doable with money from my weekend job. At 18, I celebrated the end of school by running off to France for six months with my two best friends, where we hitchhiked, slept on beaches, sold doughnuts in our bikinis and kept in touch by sending monthly postcards home saying: “Working as an au pair with a strict family, and hardly allowed out at all.” Our parents were fine with that. 

By the time I was 19, I had moved out of my parents’ house and would never live there again. I went from hall of residence to shared rented flat; and though I’d visit regularly, I never stayed overnight and it wouldn’t have occurred to me to rock up with a bag of washing. Nor did I ever take money or advice from my parents again. Thanks to a full grant, summer temp jobs and an uncrushable confidence in my own superior judgment, I was financially and emotionally independent from then on. My parents were fine with that too. 

Fast forward to now, when I have two grown-up kids of my own. I say grown-up mainly in the legal sense — Fred is 19 and Kat is 22 — because by all my own measures of adulthood they are still children, and their relationships with their parents couldn’t be more different than mine. At 16, Kat had never had a job, and neither she nor I expected her to get one. Her focus was to be her school work, because of course she’d be going to university. At 18, she celebrated the end of school by going on her first independent holiday with her two best friends, to Barcelona, for a week, paid for by us. She sent texts to let us know that she’d arrived safely, what the hotel was like, and at what time we could collect her when her return flight landed. When she went to university, we paid her fees and her rent so that she wouldn’t have to work during term time. 

Last year, she graduated and moved back home, just as her brother was leaving for university, and we started paying his fees and rent too. After stints of unpaid interning, she was lucky enough to land a job at a decent graduate salary. A “decent graduate salary” means enough — just — to afford rent in a shared flat, in at least some parts of London, but it also means that you will spend most of your nights at home and never be able to save a penny. Encouraged by us, she has decided that living at home is a better choice for now. We don’t charge rent, so she can save hard for a deposit for a place of her own — though not so hard that she can’t have holidays or a social life. 

Reference: welshview.co.uk

All the things that we didn’t want for ourselves, even if our parents would have allowed them, which they wouldn’t, we encourage and enable in our own kids. She has her own room, decorated to her own design, paid for by us, and where we knock before we enter. We keep the fridge stocked with food she likes, paid for by us. If she wants to have friends over, we clear out of the kitchen so she can entertain them in peace. If she needs a lift and it’s late or bad weather, her dad still drives her. She cooks for the family once a week, if she’s in, and helps me work the remote control. A couple of nights a week she may stay at a friend’s or at her boyfriend’s, and all we ask is that she lets us know when she’ll be back. Is she a princess? Are we mugs? Is there something wrong with this picture? 

If we are mugs, we’re not alone. According to Mintel, the market research company, more than three million young adults aged 20-plus returned home last year. For many, it’s to clear debts or because rent is unaffordable. But for others, it’s a more complicated mix of finding life easier and nicer at home than in an overpriced shared flat. And this, says Sally Koslow, author of Slouching Toward Adulthood, is bad. She thinks we’ve wrapped our kids in cotton wool, failed to teach them life skills, and denied them the satisfaction of achieving independence. We’ve effectively forgotten what parenting means.

It’s a neat argument, but it’s the wrong argument, because it belongs in a different world — the less complex world that boomer parents grew up in. In 1969, the voting age was lowered from 21 to 18, and overnight 18 became the new age of legal adulthood, an arbitrary label that nonetheless shifted our perceptions of when independence and the markers of adult life began. In fact, sophisticated brain imaging shows that our brains — particularly in the areas related to forward planning and impulse control — aren’t fully developed until around the age of 24. But at least premature adulthood was less of a problem and more easily attainable in those days. I had my first Saturday job at 13, and in my gap year I could walk out of one job on a Friday afternoon and into another one by Tuesday morning. Those jobs were mainly in retail, admin and customer service, the kind of job Kat couldn’t get, because when I was a teenager most of the mothers were still at home with their kids, not queuing up for the same jobs — 66 per cent of mothers now work, compared with 31 per cent in 1980, and that’s before we even consider the recession. After college, competition for graduate jobs was tame — there were just 68,000 graduates in the UK in 1980, compared with nearly 300,000 last year. Mortgages were about three times the average salary; they’re more than seven times now. 

Today, much more is expected from our kids and it’s harder to attain, with more years in education before they can afford independence, yet we still expect them to want the same things, and to achieve them when we did, even though it’s practically impossible. Terri Apter, the British psychologist and author of The Myth of Maturity, describes the period of the early twenties as “apprentice adulthood”, a phase in which our kids need reliable but gradually receding support, and says that we should not expect them to emerge fully formed as adults when they reach a particular birthday. “The myth of maturity at 18 is pervasive but damaging” she says, and parents who think that “tough love” means kicking them out before they’re ready, are usually wrong. “Adolescents who make the transition most successfully and creatively to adulthood are those who still have the support of their parents. Not just financially, but in terms of ongoing engagement, understanding and advice.” 

It’s not just economics that keeps our kids at home. When I was growing up, the world was divided into Adult World and Kid World, and the two rarely overlapped. So long as I obeyed my parents’ (many) rules, they weren’t particularly interested in my friends or what music I liked. We’ve been much more engaged with our children’s lives, and as interested in their emotional and personal development as in their grades at school. Yes, there are extremes of “child-centred” parenting that are both ridiculous and disturbing, but overall, family relationships are richer as a result, and we aren’t in as much of a hurry to change them. I don’t think of where we live as “my house”, as my parents did, but as “our home”. 

Now that Kat and Fred are older, knowing when to step back and when to step in is a whole new choreography, and I often get it wrong. Both kids are mess magnets, and I’ve had to get tough with them about chores. In turn, they could do without me making “mum” conversation with their friends, and though they appreciate their luck, both would prefer their own places. Fred in particular says it is “embarrassing” to admit to your friends that you live with your parents. We’re all compromising. 

I know that in another year or two they’ll be gone. Maybe they’ll bounce back again, as so many of my friends’ kids have done. Fine by me. I’d have made braver decisions if I’d felt able to do the same thing at their age. One friend with three big sons despairs of them living at home, but as she has made herself their slave — skivvying for them as if they were still ten — I think she only has herself to blame. Kat’s best friend is also at home with her family, who are from South America. She doesn’t understand why this is even an issue — families living with or near each other more or less for ever is normal in her culture, and everyone benefits. The cult of independence and individuality that my generation lived by has its dark side, in increasingly atomised, selfish and lonely lives. Do we really believe that we’re only responsible to and for ourselves? One of the hardest lessons for us to learn has been mutuality — the back and forth of support and shared resources of every kind, throughout a lifetime. If we’re lucky, isn’t that what families are meant to be for? 

This post was contributed by the Money Saving Blog who is a regular poster both here on their own blog. You can catch them on twitter, facebook or even their very popular youtube channel.

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