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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I’d rather be a recent grad with parents to lean onto for next few years than a middle aged man whose career is being destroyed with little prospects who has two teenagers, a mortgage and family to support and now elder care to also manage.

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True. And the grads I've talked to understand this. But knowing things cou be worse doesn't really change their situation.[/quote]
It doesn't change the fact that he doesn't have the tech job, but why can't he get a job? Our servers make $30-$50 an hour and we can't find workers. He should be working 20-30 hours a week, contributing to Roth IRA, and appreciating not having all the baggage of a middle age man and aches. 
He doesn't have to take that job home and it's a good exercise. He has time to continue to learn CS on his own and network.
He can turn the $7k in Roth into $14k in one year. Add $7k in 2025 and double it all to $42k. Add another $7k to the $42k and double it again. Now he nearly has $100k and all the experience how it was done. My second doubling came within 6 months. Experience and learning from mistakes speeds it up. So does the higher balance.
By the way, restaurants feed him. Food is expensive after all.
Make sure he remembers and appreciates how easy his life actually is compared to family people.
If he does get a job, he may not be eligible for Roth once his income becomes too high.[/quote]

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