Your question is full of assumptions and faux confidence. You must not know Tsw well enough. Except for his school fees, Tsw pays for everything with his own money. This includes his apartment's rental, food, clothes, electrical bills, car's expenses (repair, modification, fuel, etc), and any other expenses you can possibly think of. On top of that, he contributes a fair sum to his parents' household expenses. This is what I meant from "own time and DIME" and imho, a huge step towards independence. Not many people have the ability and courage to do the same.
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