I personally feel by age 35- 40 you should have set up your own business even if its a part time business while still working for an employer.
Whats your own view?
While at it,they may also get a furnished room at the "old people's home"

You make it sound like a 35 year old is Methuselah .
some people are still sucking their thumb at 34.
Didn't they say life begins at 40?