When someone saying that to you when you are 15 years old, you thought those whom arrives the age 40, they will know better.

And you are here in your 40 years. You didn't have a career to say a job correctly.

So you gonna go on until you are 60 years old, and you say, if someone were 15 years old to believe those whom are 40 years old knowing exactly its the money to pursue a career, not a job will be on the street, no house, no place to stay in the rental state, its your brain IQ didn't get a major in the school, or you never plan then those "flowing water residence", in Chinese here we might have a term how to describe those rental of the flat, house-to-house. 

I think the word, the Google says.....『no shell race』無殼族

https://opinion.cw.com.tw/blog/profile/441/article/12717

The correct wiki words 『No shell snail』