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My first advice would be to go to a credit union and open a checking and savings account. They're lending criteria are more relaxed when you are a member so you can probably get a credit card through them within a month of opening your account (saying that without knowing all of your details). You'll also get better rates for car loans, mortgages down the road.
Lastly, I'm 34, have a wife and child, and would love to move back in with my parents for the mortgage savings alone. However, I travelled the world on my own from age 10-14, moved out for college and never came back so I've gotten the freedom thing out of my system. You'll never relate to wanting to move back in for the savings until you've experienced the financial hardships so I can't really tell you what to do. You stay, you save but miss out on independence. You leave, obviously it's vice versa.
I don't know that I've known many 21 year olds (let alone 34 year olds) who are debt free and have savings so either way, I think you'll do just fine.
Gotta clean sometime....your woman won't want to walk into the place after a short period of time.
Well, since I seem to have been the last one to get this memo, I decided that everybody pretty much said everything I wanted to say. I guess I can add a few more things though....
I moved out when I was 18 to a completely different state from my family. I had some rough times for sure, but I pulled through and love where I am today. I definitely learned a lot in a short amount of time about taking care of myself and basically how to survive and thrive without help from my parents. Sometimes looking back, I probably should have stayed with my parents for a longer amount of time, but I don't think I would be the woman I am today had I stayed. I probably wouldn't know most of the things I know now. There is definitely growing up to do when you move out on your own but you seem pretty well put together already. Of course nobody can tell you what to do, but I can tell you a girl isn't down with a man living with his parents LoL, though you shouldn't base your decision on that, obviously.
If you get along well with your parents then I see no harm in staying a while longer to save up more money and build your credit. The more money you save, the better you will be in the long run. I moved away with about 2k in my pocket and pretty good credit, and 11 years later I'm still in this wonderful state and am loving what I got goin' on! Good luck with whatever you choose! Living on your own is SO boss!!
Join the military + go to school on the government's dime.
Be smart about your job in the service. Do something that will help you get a job in the field you want to work in when you get out/graduate.
Actually, that's really good advice. Vets get not only an education but all kinds of great benefits throughout their lives, even after serving only four years. My brother in law is retiring at 53 an air force colonel with a great pension.