Technology glitch lost my response to acquinas. I will try again more succinctly.

1) I didn't not calculate any interest or return on investment in my numbers.
2) Schedule nesting is a necessary time management technique. Social interaction happens in the workplace and at school and friendships may be developed there, for example
3) Perhaps the concept of a happy childhood is why young adults struggle so much when they transition to independence?
4) I mentioned advanced students because it's relevant to this audience/forum, but similar programs exist for at-risk students also. In my state, at-risk students can attend 2 year technical college in place of the last 2 years of high school so they may graduate high school with marketable skills.
5) My brother was attending a university in a different state than where his fiancé owned a house.

Indigo's interpretation is correct, he was not seeing himself as a victim of circumstance, and he was capable of paying for traditional housing but chose not to. He has gone on to adopt a debt-free lifestyle.