Adult children are moving home more often, sometimes for smart reasons. Debt payoff can be one of them. But generosity without guardrails turns into enabling. My stance is simple: help should come with clear rules, timelines, and payments. If a 29-year-old earns six figures, living rent-free with parents is not a plan. It's a stall. This matters because parents on fixed incomes feel the squeeze. Utilities, groceries, and taxes keep rising. A grown child who refuses to contribute adds stress, not relief.