Dear Dr. Chloe,
We are a married couple whose adult child has been living with us due to financial problems related to credit card debt he is still paying off from his early 20s.  While we want to help, we also notice he is making purchases we consider to be frivolous.  We have tried to discuss our concerns with him, but he just gets angry and says we are being unsupportive.
He is 27 years old and has a decent job, though we don’t feel he is working (or earning) up to his full potential.  This is okay with us, since we understand that not everyone necessarily wants to prioritize earning their maximum possible income.  He has said that while he knows it’s important to have a job, he feels there’s also “more to life than money”, and he enjoys spending time with his friends.  Our relationship is generally harmonious, except for the issue of him living with us….