Parental support until age 18 and no later remains etched in cultural mythology, but fails to correctly describe expectations. The most obvious example of this is college. The FAFSA doesn't operate under the assumption that parental support ends at high school graduation. The expectation I'm referring to isn't that your parents
will pay your tuition in full, that the parents of 19-year-olds
can afford anything particular, but that it's appropriate to ask them to do so if they can, and that if they can, they will. If you're paying your own way, it's generally because you have to. Even if you're working 10, 20 hours a week, you're probably still a dependent. Parents who can afford to support their 19-year-olds but choose not to - not even to help with tuition at a less-expensive or scholarship-providing school - are not admired for teaching resilience, but considered borderline neglectful. There's an infrastructure in place, if a flawed one, for kids whose parents
can't pay, but none for families who've decided that 18 is adulthood, period, principle-of-the-thing. OK, not none - there is the military. But none in civilian society.
Presumed dependence on parents extends further into adulthood, and is no longer exclusively for those who've fallen on hard times. Quite the contrary - many best-case-scenarios involve prolonged assumptions of parental support. If, for example, you wish to go to Harvard Law School, your parents' "
resources" continue to enter into the equation until you're 29. The same
appears to be true elsewhere as well. Brooklyn Law School
takes it further: "Parents’ tax returns are required for all Need Grant applicants, regardless of age and circumstances." Presumably this means even if you're 45, going back to school, and haven't spoken to your parents in over 25 years. The FAFSA considers you an independent past 24, but the law school's own need-based financial aid assumes you don't need money if your parents have enough, or uses family income as a proxy for class. Although it's probably not as involved as all that, which is my point - parents probably
are paying for their kids to go to law school. Assessing "need" on the basis of a 26-year-old's Teach for America income probably
wouldn't point to the truth.
Unpaid internships - the only "job openings" at so many organizations these days - presumably assume that their unpaid employees
are fed and housed, by
someone. Even if the company never asks specifically about parents, even if
some interns are paying their own way, parents are very much implied. If
all unpaid interns were scrambling to work three jobs on the side, unpaid internships would not have proliferated. The assumption that parents are paying has fundamentally changed what it means to enter many careers. And yes, the economy also enters into it, but in the past, if a place didn't have much money to hire anyone, presumably they wouldn't hire anyone, or would hire just one person, as opposed to taking on several unpaid interns.
Planning on spending your pre-settled-down youth in New York? Working in a field other than finance? It will be presumed that your parents pay your rent.
It will, which is part of why rents in the city are so outrageous. There's no presumption that the number of people making under $30k a year corresponds to the number of people renting apartments at rates appropriate for that income. Even if you find a place you can afford, landlords will be able to ask for - and get - either a parent-as-guarantor or several months rent upfront (likely borrowed from parents), just, you know, to be on the safe side. If neither of these will be options for you, you'll have to live somewhere far tinier and more out-of-the-way than you can afford, which, if you're not making much, means you'd better be OK with an hour-each-way commute from a closet.
How much parental support into is a phenomenon limited to certain segments of the population - and indeed
which segments that is - I'm not sure. Not the entire country (so it's not necessary to comment here that this model does not apply if your parents work at Walmart and you do, too), but not just the Styles set, either. It most certainly
doesn't only impact the class of people whose parents can afford to pay for their existences past 18, past 22. My point - to reiterate, perhaps re-reiterate - is
not that everyone past 18, let alone anyone past 22,
is supported financially by their parents. Rather, it's that this has become, for many, the
assumed situation, while at the same time remaining very much unspoken. 25-year-olds whose parents pay their rent are not announcing this on Facebook.
There's a sense in which the new order actually promotes social mobility. If only kids and young adults whose families can't support them into adulthood get it together to find paying jobs, this leaves them ahead of, if not the kids with billion-dollar trust funds, perhaps the ones whose families can pay for a never-ending string of MA programs. Scholarships - grad or undergrad - look good on a CV, but if your parents are
very generous, why fill out that Fulbright application? Meanwhile, at colleges that are not need-blind, simply being there and
not paying the full ticket price is more impressive than the reverse, above and beyond the sense in which if two people are at the same college, the one who got there from a wealthier family is, all things equal, less impressive. Given that to be a fully autonomous individual, it helps if your parents don't have veto power over your decisions, if their role is reduced to that of advice-givers as opposed to under-my-roof-this-is-how-it-goes-declaration-makers, 25-year-olds who are supporting themselves may have a lower standard of living, but probably feel a good bit better about their lives than those who are not.
But overall, the longer parental support is presumed, the worse things go for the less-wealthy. As bad as it is to be 25 and still under the metaphorical parental roof, your life still governed by those who pay your bills, it's clearly worse still to be 25 and trying to make it in a system that assumes parental support that
you're not getting. The presumption of parental support into adulthood ends up trickling down to
those who have no such option, but who've bought into the idea that one simply
must move to Brooklyn after college, do unpaid internships, etc. The opacity of this new order makes it so that you simply won't
know - ever, or at least until arriving in whichever grad program, at whichever low-paid job - that many of your cohort are not living off their salaries.
So what's to be done? Unless there's a revolution, life will be different until 18 in wealthy families than poor ones. Private schools will go on existing, some neighborhoods will go on being safer than others, etc. And any kind of
law telling parents how much they can hand over, and until what age, isn't feasible. And any movement on behalf of the theoretical rich kids whose parents cut them off would be beside the point, because a) that's not many people, b) these are people who still have cultural capital, perhaps enough to make up for what they lack in need-based scholarships and an ingrained work ethic.
What could change is, college could be funded by tax dollars, not tuition. This would still mean that wealthier parents would make greater contributions than poorer ones, but would change the structure according to which it's
your parents paying - or not -
your tuition. It would also mean that non-parents would be paying for college, as would the parents of kids who aren't college-bound, although more probably would be college-bound under this system. What would also likely occur is, the cost of
running a college would drop, because things like perma-landscaping projects and state-of-the-art gyms would probably have to go. This is, however, never going to happen.