false dilemma. many parents contribute to their children's first downpayment, if you can't or aren't interested then just leave the discussion. they don't hav

false dilemma. many parents contribute to their children's first downpayment, if you can't or aren't interested then just leave the discussion. they don't have consensus on wanting to live with you while you believe they have the skillsets to save $200,000 in 4 years. who gives af if there is a theoretical savings optimization possible, that's not your problem stop acting like it is. you are going to have an empty nest, you'd be better off admitting thats what you are avoiding instead of acting like your concern is their savings potential, which is just coincidence. sure, I could be way off, but the constant is that you already gave them the support system to integrate into society, this seems largely successful so don't worry about those choices. let the homebody go have the option of trying IPAs at all the microbreweries in walking distance. not your problem.