I reject your characterization of my comment. I explicitly called myself an outlier and said I didn't want to get too specific, so I'm not sure where you're getting "clever" from. I wasn't claiming credit for my circumstances. I was identifying the actual variable that separated my outcome from peers in similar circumstances, because that's useful information for anyone who does have that option available.
And plenty of people do. I know people who could live at home rent-free and chose apartments anyway because they wanted independence sooner. That's a legitimate preference, but it's still a tradeoff, and pretending the tradeoff doesn't exist because some people don't get the choice at all helps nobody. "Not everyone can do X" is true of literally every piece of financial advice ever given. It doesn't make X bad advice for the people who can.
And plenty of people do. I know people who could live at home rent-free and chose apartments anyway because they wanted independence sooner. That's a legitimate preference, but it's still a tradeoff, and pretending the tradeoff doesn't exist because some people don't get the choice at all helps nobody. "Not everyone can do X" is true of literally every piece of financial advice ever given. It doesn't make X bad advice for the people who can.