Ok_Solid8469

You're helping them by not extracting excess value from them in the form of rent. You're not losing out if your child doesn't pay rent. You might be losing out if they don't pay bills but unless they're taking 1hr showers, cooking vast vats of stew all the time and running a weed farm, that's not going to be a huge amount either. Why would you be paying all their other (non household) bills? I personally think an adult child should contribute, but it shouldn't exceed the cost of keeping them.

Someone living at home doesn't necessarily mean you subsidise their living costs. As a yooth myself (though on the edge of the bracket now), I know people who live with mum and dad. It seems typical that their mum still feeds them but they do contribute monies to the household. My mum and dad certainly do a lot more holidays now, and my youngest brother still lives with them. On UC, no less.

Surely having your adult child at home makes it easier for you to go travelling?

It's because the average Brit doesn't understand how much land is owned by so few people. 

I think a "go bag" or a "bug out bag" or whatever you want to call it is probably best for if you are in an area prone to flooding or wildfire. Flooding is definitely a problem and will be increasingly so. If you are forced to evacuate your house, having ID, documents, key phone numbers, medicines, spare glasses, spare clothes, a toothbrush and toothpaste, and a small towel would probably make the experience far more pleasant.  In the case of a national emergency such as a nuke, I have a door and a few suitcases full of sand ready to shelter in place at any time, thanks to my handy protect and survive manual!

My brother is the absolute master of going "oh yeah sounds good" and then doing whatever the hell he wants. It's really impressive. Keeps my parent's (well, mainly my mother) feelings in tact while not impinging upon his own freedoms. If you're looking for a nice sidestep and you were involved at all with regulatory returns in your year as an actuarial trainee, have a look at data analyst roles in the social housing sector by the way. There is a lot of overlap and I made that move myself (admittedly from a process overhaul specialists role, but I had done some actuarial trainee work in that time).