Basically you just said its difficult to attain the cash/flow and or assets to get into the right living situation, due to loans and irresponsibility. The loan payment itself may be unavoidable, but the irresponsibility with bills in one's early 20's, or the tendency to see large cash infusions as an opportunity to spend or the habit of always dropping money on depreciative things etc...

All of these things are correctable, and they can positively impact cash flow. It starts with understanding at a deeper level how decisions affect cash flow and impact credit score, liquidity and in the long term, assets, in real ways that people who may be undereducated understand.

Like I said his message was a little muddled, but it IS valid. This all begins with an honest self evaluation (especially parents, who hate to disclose their finances to their children because they are embarrassed or don't want them to know off GP) of ones self and the factors contributing to your current financial situation.