<prompt> Human: Hi,Im 22 years old and Im looking to move out of my moms place. No real issues between us, I just dont get along with my brother who is here almost four times a week. I live in a city with really inflated rent rates, easily looking at paying 1200 a month in rent with a roommate. Im finishing up my certificate in school with hopes of getting a job in the field after interior design, around April. I can choose to do more schooling but I want to weight my options and see if its better to try to get experience first then continue with more schooling or try to climb the ladder at a job. Right now Im working in the service industry making about 2200 a month working part time and that figure is going to get higher as we progress into the warmer months. I dont want to have to rely on this job, however, if I do get a job in my desired field and it doesnt pay a lot in the beginning quite likely. I have about 5000 saved, and another 3000 coming my way from grantsincome tax return. I also got into a car accident two years ago that should be settled soon. My credit is also really good as well as I have no debt and pay all my cards off in full. Is it foolish of me to move out of my moms place? We live in a very desirable area, and I have a lot of space, its just the relationship with my brother thats really strained and Id like to experience being completely on my own. If I do stay, Im probably looking at paying about 400 rent here which is a steal.  <response>: Probably bad.First, the 8k coming your way is basically just your emergency fund so you shouldnt factor that into your ability to pay bills. Thats money you want safely tucked away and not spent.So basically it comes down to this: 1200 rent while making 2200 gross? net? and a downside risk of making less if you get into your desired career. Thats a really shaky situation to be in. Remember youll also have groceries, utilities, internet, etc.I would keep toughing it out as long as you can. If you want to get a better gauge of where you stand, after you pay your 400 rent, stash another 1500 dollars into your savings account to approximate what it would cost to live on your own. You may be surprised how difficult it is or you may find you can do it. 