Hmmm interesting. To young to be a hippie, to old to be a hipster (Thank God!). Yes you will do fine here. Chill grandma.
havent read any replys, and not even the full OP, but I gotta say my mom was 38 when she had me, and I think I am intelligent enough. at least I can be a productive member of society. However, my mother had a career, and now has a pension, and a house. I don't ever remember her having real trouble with the bills. She has bitched about money sometimes... but i dont think we were ever two paychecks away from the homeless shelter either. Hell, I'm 27 years old, and still sometimes I bum a little money from my mom. I don't think I am even two paychecks away from the homeless shelter because I can always ask my mom for a couple hundred bucks here and there. Like Right now, I have no job. But I will have a job very soon as soon as I start looking because I never have too much trouble finding work. I havent even had to ask my mom for a triple digit amount of money yet since I've been out of work, but I know I can if i have to.
My mom too had me when she was 38 and now am 21 and jobless. My mom also never has been close to being in a homeless shelter. But I do not like to ask my mom for money but am having trouble getting work right now.
I never asked my mom for money when I was 21 and broke, but that was because I lived in her house and ate her food and whatnot. I just did without weed and beer and stuff when I was broke and lived at home. Now if I am broke I have to ask her for a few bucks here and there because otherwise I will be late on rent or whatnot. It makes me afraid for when she dies I wont have anything to fall back on.
I feel the same but am coming to a point in life where I finally know what I want career wise, women wise, and everything else. So hopefully in three years I will put my mom to retire.