Parents, brace yourselves.  If you think your child graduating means they're going to start their careers, chances are, they'll still be LIVING with YOU until they're 34 years old!

In a monthly chart from Deutsche Bank's Torsten Slok, at least one-third of Americans between the ages of 18 to 34 years old, are currently living with their parents, and even more shocking, one-fifth are living with someone else's parents. (probably because their natural parents finally had enough and told them to move out and get a job.)

Why such a high number of these adult children still living with mom and dad?  An increase in student debt, rising tuition costs, and lousy job market.

When I was growing up, my parents were very stern about what was going to happen after I reached the age of 18.  They said that if I were going to college, I could live there to help with tuition costs, however if my future plans didn't include college, then I was to venture out, find a job, and find an apartment so I could start making my own way into the world.

My parents were always there to help me along the way, but they felt that it was important to instill in "we kids," that they were not a free ticket, and that we were not going to just live off of them until we were well into our 30's, and because of this, "we kids" managed to find a way to make it, and learned that accomplishment "is a good thing!"

Do you have any adult kids still living at home, and if so, how are you handling the situation, or better yet, how do you tell your adult kids to move out?