Many people believe that living with their parents not only saves on rent, utilities, and living expenses, but also provides a secure life when they inherit a house in the future. However, the experience of a 42-year-old Japanese man has severely challenged this idea.

According to Nanyang Siang Pau, the man, who lives in Tokyo, earns over 6 million yen (approximately RM170,000) annually and has 10 million yen (approximately RM280,000) in savings. He doesn't have to pay rent or living expenses, and considers his life worry-free. He also envisions inheriting his parents' single-family home in the future, eliminating the need to buy a house.

Until one day, his 72-year-old father suddenly said to him: "I have decided to sell this house and move to a nursing home."

He was stunned and asked, "Then where should I live?" His father calmly replied, "You are an adult now. You have to decide your own future."

He collapsed instantly, deeply anxious about his father's decision. He admitted that 10 million yen was not enough to buy a house in Tokyo. If he moved out and rented, he would never be able to save that much money.

"I didn't expect that at the age of 42, without the protection of my parents, I would immediately feel afraid about the future. It's really embarrassing to say it."

Experts point out that many middle-aged people take their parents' assets for granted, overlooking their parents' right to plan their own retirement. Once the conditions of dependence disappear, their lives can immediately fall into crisis.

Your parents' house isn't your life insurance. Rather than waiting for an inheritance, it's better to build your own security early on.