If my kid had this mindset I would consider myself a failure as a parent. I grew up edge of starvation poor, my wife is also from low income family. Both of us are multiples of median income now and can provide a stable home for our son in mid 30s. It took 10 years of doing stupid shit and wasting time because I didn't have support or direction in life. Realistically, if I had better role models for success, I could have reached my current level of income 5 years earlier, and be much better off in life now. If my kid expected to have everything sorted out at 20 I would think hard about how I failed to give him enough reality checks.