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Meet the Full Nesters is the second of three reports from the Scottish Widows Centre for the Modern Family (CMF) which examines modern family life in the UK and how it’s changed in post-recession Britain.

The Report highlights that instead of parents enjoying the financial freedom of an empty nest, they are increasingly facing the financial burden of supporting grown-up children still living at home.

Recent figures from the Office for National Statistics show that there are over 3.3 million 20-34 years olds still living at home at the end of 2013. This is a 25% increase from 1996. Meet the Full Nesters illustrates that due to many factors including youth unemployment, the struggle to get on the property ladder and wage increases not matching inflation, many older children are now turning to the Bank of Mum and Dad.

So we know the reasons for the increase in the number of Full Nesters but what are the implications of this change in family life? Supporting grown-up children is having a profound impact on the day-to-day spending of Full Nesters and also their ability to save for the future.

Meet the Full Nesters found that:

  • 62% of Full Nesters are supporting their grown-up children financially
  • 47% of them have cut down on leisure spending
  • 30% of Full Nesters are contributing less to savings

However, the report also finds that in return for the financial support that Full Nesters are providing today, over half of these ‘stay at home’ children expect to care for their parents in later life.

The next Centre for the Modern Family report will look at the key challenges facing older people in the UK.


This report is based on both quantitative and qualitative inputs, including a YouGov survey of 2,000 adults constituting a representative sample of people across the UK and a series of focus group sessions also conducted by YouGov. These inputs were subsequently analysed and debated by the Modern Family panellists in both group discussions and individual interviews.

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