It may be that your coworker, friend, or acquaintance is deeply in debt but it may be just as likely that help from Mom and Dad has moved this person from just making it to living well with few money worries. By my calculations, contributions for college expenses, transportation, childcare, vacation rentals, and weekly dinners could add up to over $400,000 to an adult child’s net worth by the time he or she is 35 years old.