3 Steps to Millennial Financial Success:
1. Borrow $100K+ in student loans ; pay debt through your 40s
2. Move out to “the ciiiiiity 
” and rent an apartment because your parents won’t let you decorate with empty vodka bottles
3. Spend remaining money on concert tickets
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Secretly they want to be told they have been irresponsible, but that there's something they can do. Even if that's the case, they suddenly discover they really hate being told what to do (or something) halfway through and shoot the messenger.
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On the plus side this makes them stop sharing financial details with you. On the minus they usually get comprehensively spiteful.
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So what they want is something like: to be told they're irresponsible, and then be forced to continue listening to it because you're actually their father/baron, then be forgiven so that they can actually make it out.
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True. There’s hunger for a father-confessor. Nobody likes to hear an honest view, esp from someone they secretly think is their inferior. People are tied in so many knots of self-deception through family, education, & work that they react to honesty w/ anger—even if they want it.
End of conversation
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