One my personal favorites (that is sarcasim in a growly tone) is: "...well, if you had made better choices in life..." Especially, when not one of them has sacraficed even so much as a hang-nail in service to others. But I made poor choices? Nope. I made the harder right choices that they were too chicken sh!& to make. I always say things like: "I see cowardice has worked out well for you so far. Keep it up."