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Text 3 How long is too long for young adults to live at home after college?In a recent survey by TD Ameritrade,teenagers on average said it would become embarrassing to still be living at home at age 26.Young adults aging 20 t0 26-probably because they"ve already been out in the real world-thought the cutoff should be 28,But 27 percent of those surveyed said they wouldn"t be ashamed to be living at home even in their thirties or so.Here"s the reality:Nearly half of post-college millennials have moved back home.Wages are stagnant,and many graduates with debt find it"s hard to live on their own.Survey participants said their debt is causing them to delay saving for retirement,buying a home,getting married and having children.Twenty percent said the education they received wasn"t worth the debt they accumulated."ln many cases,people view young adults moving back home as a sign that they were lazy or not doing things"right,""said J.J.Kinahan,chief strategist at TD Ameritrade."But many people doing it are being fiscally responsible."I"ve long advocated for young adults graduating with burdensome debt to move back home if they can.I"ll go even further.College graduates should make every effort to find a job in the area where their parents live or another relative or friend is nearby.And in exchange for rent-frce living,they should pledge to extinguish as much of their student-loan debt as they can.You may think that living at home is an improper failure to launch or that it delays the all-important lesson of learning to be independent.But may I suggest we all make an effort to remove the stigma of young adults returning home as a financial embarrassment?It is not,especially if parents allowed or encouraged a student to attend a college that necessitated some heavy borrowing.Soon-to-be graduates often ask me for advice on how to pay off their student loans.Some don"t even know how much they owe.But they know it"s more than they can comfortably handle on their starting salaries.What they"re really asking for is a miracle.They ask hoping there"s some get-out-of-debt-free card.Although there is a public service debt forgiveness program for borrowers working for the govemment or a not-for-profit group,the vast majority of borrowers won"t get the relief they seek.32.According to J.J.Kinahan,the main reason of graduates"moving back home is