So it turns out that Boston.com readers have a lot of very good reasons as to why they’re still on their parents’ cell phone plans. And a lot of other Boston.com readers have a lot of very good reasons as to why they’d like their kids off them.

To hear the kids tell it, the shared phone plan makes financial sense for everybody. “My mom gets a senior citizen discount; I give her two thirds of the bill every month, and she pays it,” explained Jason from Peabody. “My wife and I were paying $200 by ourselves before, and now we pay $160; $40 is $40 and every little bit helps!”

But some of the parents who own the plans were having none of it. “I kicked my kids off my cell phone plan several years ago to stop their mooching and, more importantly, to help them think and act like independent ad

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