How to say this nicely and supportively?
Maybe
you need a helmet.
When my daughter came home from her freshman year of college (at our insistence because she had failed too many classes), she thought she would have the same freedoms that she had when she was at school.
Attitude. Pissed at us because we "made" her come home from school (completely forgetting that the idea was for her to actually attend classes, not just bite the Big Apple on our dime).
She finally got the picture when I threw her out of the house. It was a looooong three days and we had no idea where she was. Finally she called and wanted to talk. Made the decision to move to Nebraska (ostensibly to take classes at UNL). Got an apartment, started working, and now she lives a big girl grown-up life, paying bills and being responsible for herself. She bought herself a car and even insured it!
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Her big excitement was when she had been at her job long enough to get health coverage.
So guess what, Mama? Maybe it's time for you to encourage Jr. to grow up.
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And I say that with sincere sympathy for you, because I've been there. They don't learn to fly until you boot them from the nest.