我为何不买房？年轻一代的独特家庭金融观

                                 我为何不买房？年轻一代的独特家庭金融观

在这个竞争激烈的世界里，年轻人如何在金钱和家庭压力之间找到平衡？房产不再是唯一的理财选择，新一代开始重新审视价值观，选择租房、投资和其他多元化的财务规划。市场变迁，利率动荡，他们能否成功踏上财务独立之路？听本期播客，探寻年轻人面临的理财挑战与解决之道。

Well Into Adulthood and Still Getting Money From Their Parents

Parents have always supported their children into adulthood, from funding weddings to buying a home. Now the financial umbilical cord extends much later into adulthood.

About 59% of parents said they helped their young adult children financially in the past year, according to a report released Thursday by the Pew Research Center that focused on adults under age 35.

Parental support is continuing later in life because younger people now take longer to reach many adult milestones—and getting there is more expensive than it has been for past generations, economists and researchers said. There is also a larger wealth gap between older Americans and younger ones, giving some parents more means and reason to help. In short, adulthood no longer means moving off the parental payroll.

This longer-term help might be a drag on social mobility, as it becomes even harder for young people from lower-income families to catch up, researchers said.

Down-payment help from parents—a given for many first-time home buyers—is growing thanks to higher home prices and elevated mortgage rates. 

Timothy Burke, chief executive at National Family Mortgage, which facilitates such loans, said parents are often frustrated on behalf of their house-hunting children. High interest rates and the cutthroat housing market are holding their children back from reaching a milestone the parents themselves were more easily able to access.

“啃老”现象全球化：受过教育但没有就业的年轻人，在英国被称为NEET（尼特族）。NEET是“Not currently engaged in Employment, Education or Training”的缩写。在日本，1999年有学者提出“单身寄生族”这个词，比尼特族更具体，用来指那些一直不结婚，日常生活依靠父母，而自己的收入拿来当“零用钱”的人。随着日本经济持续低迷，“单身寄生族”渐渐变成了“中年单身寄生族”，这些人有很多还依靠父母的养老金生活。