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Depends on the relationship with the kid. If he's just *****ing to other people then let him gripe. If he's taking it up with you and you get the impression that he values you or your opinion, point out the spending vs. hours of labor thing.
This is the kind of talk, though, that only works if there's some level of mentor/mentee relationship building. If there's no relationship then it's "whatever boomer you don't know what it's like".
Either way he'll grow up once he's living on his own.
Edit: Oh! Oh!!! I almost forgot a different point that's pretty important. Never try to convince him that actually you had it just as bad. Prospects are different for the younger generation and arguing that is just a shortcut to coming to loggerheads. Better to say that you don't know what life has in store for him, but you've got general advice on how to save money, budget, etc., that will help no matter what sort of financial challenges he faces.
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1982 911SC
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