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It might be the Y's who seem to be living at home --- I'm not sure what ages would be the cut-off between the GenX and GenY, and maybe some is regional but in this area it's common to hear 28, 29 year olds talking about moving out of their parents' homes at some point but they've never known financial independence.

I noticed you are a Texan, that is somewhat surprising to hear, I'm from Oklahoma originally.

I went to my high school reunion a few years ago. I was surprised how many people had not left Oklahoma. But of my total class 98% were married and either had kids or were working on them. I had about 500 people in my graduating class (class of 90') and I would say that at least 70% were very successful in life and most seemed happily married.

I remember hearing on the news about how lazy and spoiled we were supposed to be and how worried everyone was about the future. We turned out far better than our generation's name implied and now it's turning in to a badge of honor. Most younger generations can relate to Xers and actually respect us, unlike the generation before us. It could be that the generation age band was to narrowly defined.

Boomers need a PR agent or they are going to be despised by both X and Y generations for years to come. My suggestion would be to fix SS BEFORE they start collecting it (ie don't make me pay for every single viagra).