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Forum » Be real with me Misc - Is 25 too old to still be living at home with Parents?
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Thread: Be real with me Misc - Is 25 too old to still be living at home with Parents?

post 1480201331 01-22-2017, 05:39 PM
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#61
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8 months till I'm 25, will probably live at home a bit beyond that. Only have one parent and they're on disability, so helping them out indefinitely.

Money saved and a decent car. Figuring out what to do in the mean time for more money, only been making 35-40k a year. I have a gf who is 22, fawkin' gorgeous. Desperately want to get my s*** together.
post 1480202031 01-22-2017, 05:43 PM
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OP why don't you think about moving in with roommates? You get to live on your own (in a sense), save money by splitting rent, and have company when you need it.
KNICKS
post 1480204531 01-22-2017, 05:58 PM
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Stay with your parents as long as humanly possible, married or not, makes the most financial sense.

If you move out, you pay rent.

If you buy a house, you get capital appreciation (price of house rising), but you pay interest on your loans.

If you stay with your parents, you pay $0, save maximal amounts of money, dump your money into a term deposit/blue chips. You'll be far ahead of your peers when you actually buy a house. BRB, pay a 80% deposit on house. You also get a massive edge in buying a house when you don't need to apply for a loan, you can buy unconditional, which'll beat out any contract subject to finance (I beat a guy who was bidding $20k higher on a $800k house by offering unconditional)

The only time you would buy is:

Capital Appreciation - Interest on Loan - rates/taxes > Money earned from throwing your savings into a Term Deposit

This means for any house you buy, the capital appreciation must beat not only interest on the loan to buy it, but also rates, taxes, and what you can save in a term deposit, ie. CA - IL - rates/taxes - TD > 0

Of course, this is from a 100% financial standpoint.
post 1480207271 01-22-2017, 06:18 PM
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Some of you retards keep saying to stay home as long as you can, but you are forgetting the importance of moving out on your psyche. At some point you need to spread your wings and stop being a veal that gets his bed made and dinner prepared every day.

If you are 21, I get it.
23? Well, um okay
25? save everyone some time and start breast feeding and jerking off to infantalism porn.
post 1480209181 01-22-2017, 06:32 PM
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I am Turkish and not even that religious at all, but it's normal in my culture to live at your parents untill you finish uni/start working what you graduated for and ofcourse untill you get married.

My older brother and sister did the same, both lived at my parents till their late 20's, am doing the same atm. Always had amazing contact with my family and they don't mind it honestly me living at them at this age.

Just pay your own bills and offer to pay some of their bills aswell, save money meanwhile and stop hanging around with sad low fks that will mentally drag you to worse (bad friends with bad habitats). Keep hustling cuzz
post 1480231211 01-22-2017, 08:41 PM
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Originally Posted By WelshAutist⏩
Give me the rational process on how one goes from FA autist basement dweller to sociable alpha chad from moving out and I will seriously consider it.

Because at the moment if I moved out it seems I would go from FA to equally FA, and the only thing that would change is the money I burned on rent that could have been put into cash savings
You have to want to change. There is nothing I can type on this keyboard to make this happen. All I can do is telling you what you're doing wrong and what I felt helped me out in my own life. And moving out of the house at an early age was fukin tough and it made me who I am. You're either going to be feeling sorry for yourself the rest of your life, or you're gonna polish your social skills and be someone people like being around and growing into your full potential. Living at home does not help you reach your full potential, because you're propped up by your parents. The greatest accomplishment in my life is meeting and keeping good people around to make my both our lives better. No amount of money can replace that. Think of the accomplishment you'll feel when you drive home at night to your own place. It builds confidence.
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post 1480231431 01-22-2017, 08:42 PM
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Originally Posted By usera⏩
Some of you retards keep saying to stay home as long as you can, but you are forgetting the importance of moving out on your psyche. At some point you need to spread your wings and stop being a veal that gets his bed made and dinner prepared every day

If you are 21, I get it.
23? Well, um okay
25? save everyone some time and start breast feeding and jerking off to infantalism porn.
this

Got mates that are 28 that still live with parents and spend all their money on chit, like PC upgrades, PlayStation games, food, beer etc
post 1480257941 01-23-2017, 01:22 AM
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#68
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Originally Posted By usera⏩
Some of you retards keep saying to stay home as long as you can, but you are forgetting the importance of moving out on your psyche. At some point you need to spread your wings and stop being a veal that gets his bed made and dinner prepared every day.

If you are 21, I get it.
23? Well, um okay
25? save everyone some time and start breast feeding and jerking off to infantalism porn.
If you read the OP, I stated that I live at home purely to save. In terms of making beds, cooking meals and paying my way, I do all of that anyway. Even if I'm not asked, it's just out of respect for the people who raised me!

What significant merits does one get from life by "spreading his wings"? What's the difference between and independent, contributing man living at home and living in someone else's place on rent?
post 1480258151 01-23-2017, 01:26 AM
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#69
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Originally Posted By skizz⏩
OP why don't you think about moving in with roommates? You get to live on your own (in a sense), save money by splitting rent, and have company when you need it.
As I said in a reply on page 2, I think I am going to run this experiment for 6 months
Originally Posted By _zman⏩
You have to want to change. There is nothing I can type on this keyboard to make this happen. All I can do is telling you what you're doing wrong and what I felt helped me out in my own life. And moving out of the house at an early age was fukin tough and it made me who I am. You're either going to be feeling sorry for yourself the rest of your life, or you're gonna polish your social skills and be someone people like being around and growing into your full potential. Living at home does not help you reach your full potential, because you're propped up by your parents. The greatest accomplishment in my life is meeting and keeping good people around to make my both our lives better. No amount of money can replace that. Think of the accomplishment you'll feel when you drive home at night to your own place. It builds confidence.
If I experience all the GOATness that this gentleman has outlined in terms of social skills, confidence, making friends and even meeting a girl, I will extend my rental contract and move out properly.

If those 6 months are basically the same life that I live at home, I will just take the hit on what I could have saved, concluded it's not for me and a waste of money, and move back in and save even harder!

Is that a fair thing to do moving onwards?
post 1480258391 01-23-2017, 01:32 AM
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I personally see nothing wrong with this. I know few people who still live at home but not in their parents house for example my best friend's parents brought 40 acres and built two houses on the property, one house for daughter and house for them. Also my neighbour extended their house instead of sending their parents to nursing home.

I don't know why Western society looks down on children that support their elderly parents and have separate dwellings in one home.
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post 1480259691 01-23-2017, 02:01 AM
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Damn you make this thread every week...
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post 1480259871 01-23-2017, 02:06 AM
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#72
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I agree that it depends on your situation. I think it's fine if it's just to save money but I would have be on my own by 26-27. I couldn't go back to living with my parents though after living by myself for so many years.
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post 1480259931 01-23-2017, 02:07 AM
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Probably should be out by that time, if my plan works.
post 1480259981 01-23-2017, 02:09 AM
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#74
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If you've truly commited yoursef to an FA life then I would say NEVER move out of your parents home.

At the same time, use youer savings to acquire properties and rent them out to idiots.

When your parents die you will inherit their house and will live like a king from all the rental income.

Then it's time to start thinking about importing aThai bride.
fist yourself
post 1480261511 01-23-2017, 02:49 AM
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#75
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it really depends

living alone is the GOAT freedom

if your parents don't interfere that much with your freedom, then living with them is even GOATer (massive savings)

if your parents do (as in many cases), then it is worth it to move out to attain GOAT freedom
You're a speck of organic dust in the vast cosmos of the Universe

Get out there and be a sick Immanuel Kant
post 1480261731 01-23-2017, 02:54 AM
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Tbh if my parents lived closer id probably move back with them, stop paying rent and save for a house deposit for a while
post 1480261941 01-23-2017, 03:00 AM
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Originally Posted By WelshAutist⏩
Nah, I started on 36,000 last year and got a raise to 40,000 at the start of the new year. I am due another one in 4-6 months time to about 42-45K.

While I could get a better job in London, I honestly wouldn't save a penny in Year 1. It would require 100,000 salary to save what I could save on 45K in Wales.

100K is perfectly possible in London... but it would take 5 years experience to save 20K cash per year because of the high cost of living, tube, council tax, bills, socialising, courses, etc. I could save 100K post-tax CASH in Wales by that time, living at home!
What's your job?
post 1480262001 01-23-2017, 03:02 AM
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#78
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OP you're still going to be working a very very long time to retire. Saving projected 15k/yr to 20k/yr for the forseeable future means you will not be retiring any sooner than 2 decades +. You're doing well but you need to do better.
post 1480262191 01-23-2017, 03:07 AM
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if you live at home, how do u have 900 pounds of expenses a month?
post 1480262221 01-23-2017, 03:08 AM
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moving out aint all that great.

dat feel when i think about all the stuff i can do with an extra $1400 every month :`(
RIP mainsqueeze530 1991-2013
post 1480262741 01-23-2017, 03:18 AM
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Originally Posted By Girlgoneweird⏩
Didn't you post this exact same thread a few months ago?

Everyone was telling you to not go travel and waste all your money bc you'd still be FA...but without money
About the 4th time I've seen this exact thread from op

Tell us about that Beamer again
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post 1480263491 01-23-2017, 03:41 AM
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Originally Posted By Serenadium⏩
if you live at home, how do u have 900 pounds of expenses a month?
CEO gym with swimming pool, boxing bags, steam room and hot tub

Petrol for BMW 5 Series

Eating out (5 Guys, Ed's Diner, Shake Shack, etc)

Direct debits - iPhone 6S 128GB contract, contact lenses, towards parents bills

And a couple of hookers a month lol


The thing about moving out is that all of those things would be worse if I wanted to save anything. Because I live at home, I can still tuck away 60%+ of post-tax salary and live a GOAT lifestyle.

That 60% would instantly become 10% if I moved out and lived the same life....
post 1480263601 01-23-2017, 03:43 AM
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#83
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Originally Posted By kyobee⏩
What's your job?
Junior Oil & Gas Consultant

I got it through my family, otherwise I'd be on a standard 20-25K job like every other Graduate out there
post 1480264261 01-23-2017, 04:01 AM
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What age is too old to be living with your parents?
post 1480264331 01-23-2017, 04:02 AM
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Originally Posted By WelshAutist⏩
CEO gym with swimming pool, boxing bags, steam room and hot tub

Petrol for BMW 5 Series

Eating out (5 Guys, Ed's Diner, Shake Shack, etc)

Direct debits - iPhone 6S 128GB

And a couple of hookers a month lol


The thing about moving out is that all of those things would be worse if I wanted to save anything. Because I live at home, I can still tuck away 60%+ of post-tax salary and live a GOAT lifestyle.

That 60% would instantly become 10% if I moved out and lived the same life....
thats ur problem, you'rr FA remember. You dont need that.
post 1480265871 01-23-2017, 04:38 AM
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Originally Posted By WelshAutist⏩
If you read the OP, I stated that I live at home purely to save. In terms of making beds, cooking meals and paying my way, I do all of that anyway. Even if I'm not asked, it's just out of respect for the people who raised me!

What significant merits does one get from life by "spreading his wings"? What's the difference between and independent, contributing man living at home and living in someone else's place on rent?
There is a huge difference, similar to someone who says - I've jerked off to porn, it's the same as sex.
post 1480266411 01-23-2017, 04:46 AM
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Outside America and other westernized countries it's perfectly normal for children to live with their parents until they're married/can afford to buy a house (without a mortgage).
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post 1480266431 01-23-2017, 04:47 AM
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Most people I know don't move out til late 20s..
post 1480266451 01-23-2017, 04:48 AM
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If you are FA with autism you are never too old for that.
/thread
post 1480266911 01-23-2017, 04:57 AM
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Given your situation and FAness, the only potential downside I see is in regards to your development as a well-adjusted, normally functioning adult. For some people, they need the experiences of independence and physical separation from their parents to really grow up, and living at home is just delaying the inevitable growing pains and making their reliance on their parents/comfort of home a habit that will only get harder to break. I guess there is a stigma to, so that's a downside, but that's about it (girls would be another, but that doesn't seem to concern you).


If I were in your shoes, I'd keep living at home, no doubt. Can't think of any concrete reason not to.
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