<prompt> Human: Sooo bear with me here, Im pretty late to the game. 26 years old. Poor credit 635-657. 1 account in collections500. Barely any savings 2k. Car loan 14.5k. Student loans 8k. Mom opened credit cards in my name which only she uses, carrying a balance of 2k to help build my credit. She doesnt miss payments. Mom has no retirement savings, shes close to 50, she is ill and doesnt work.. she hosts a foreign exchange student for income and shes enrolled in a community college, I think to get financial aid. She and my stepdad live in a 400k house, still owe 300k. My stepdad makes like 150k. Hes only a few years away from retirement. My moms idea is this: I can get an FHA loan with my stepdad as a co-borrower on a house close to my work. We have already been prequalified. Ideally this house will have example 2 extra rooms which I can rent out via long term, leased tenants or airbnb, or a combination. I save money on rent, my stepdad pays a portion of the mortgageexample 6001100, I get to keep any tenant income and use it towards utilitiesany remaining mortgage paymentpaying down debts. They will sell their house in 2 years or so and then move into this house, paying cash for it and relieving me of any legal obligation by refinancing me out and offering to pay me like 10-15k. How much she thinks the house will appreciate. I can take the moneywhatever Ive saved and move wherever I want to.I make around 45kyear. My current expenses:Rent 775Electric 50Car 331Car insurance 117Internet 50Food, Im not actually sure how much but Im thinking around 250 just because I eat out sometimes. I know I should be tracking. Also have two cats who consume food and litter. I take drum lessons at 45week so usually between 150-220month. I know that will need to be sacrificed for my goals.My loans are on deferment so I havent started paying them yet.Dont really spend on much else. I live close to work and bike often, gas costs 20 to fill. Im guessing an extra 50-100mo for misc, household things like toiletries and cleaning supplies. How feasible is this plan or is it a scam? My mom has always been emotionally manipulative but she was a battered wife from her first marriage with my druggie dad and my brother is currently completely dependent on them because he is on the autism spectrum. I kind of got the short end of the stick. Im not sure why they dont want to stay where they are but Im guessing because its a bad location for them. My stepdad is a reasonable guy who is good with money so the fact that he is considering it makes me feel like it could help us both..Anyway I just wanted to throw this fun mess out there and see the consensus. Does my mom just see me as another line of credit or is this mutually beneficial for everyone? Would I be better off moving back home and pocketing everything I can? Or should I just find a room to rent where my cats are allowed and slowly chip away at my debt? I would eventually like to own a place just for peace of mind but not in my state. I just feel I got lucky with my job and as its my first serious one in my profession I should stick it out for another year or two. Just passed a year but wasnt really thinking about the future. I just realized I was living paycheck to paycheck and I hate it here.Tear me a new one, reddit. Make me a budget! Tell me to call the police on my mom! Do you. Waits patientlyFun fact: just got a call from my momas I typed this, she is at the credit union that holds the lien on my car, applying for a refinance on MY car loan. They said I can get a better rate so I authorized her to speak with them since I lost my voice and have the flu. Obviously she is overbearing but it seems like she wants to help? Am I hopeless?Assistant: Okay everyone, how about this as an alternative scenario: None of this co-borrowing business goes on. I move back home and pay them rent 400-500 which can be used for their mortgage and saves me money in rent 300-400 but adds an hour to my commute each way. Unpleasant but doable in my fuel efficient car at least temporarily. Then whenever they eventually do sell, they will get more back? I honestly dont even know how that works and Ill have decent savingsrelocation fund by then? Is that a possible thing? I dont have an issue moving back in. Obviously I still want to help somehow. But I want to build my savings as quickly as possible as well.It seems like the best way for me to help them would be for me to get financially independent, but I want to be mostly debt free before I try to buy a place on my own. Then if they need, I can donate a stipend monthly? Would my mom even be eligible for social security? Im not Mr moneybags over here. I just want to make a modest life for myself but this is so complicated.. ughh. Its not like I can buy a place now with extra rooms for them and my brother. They already have a decent house big enough for us all. And with my brother going to be gainfully employed in a few years, he probably wont feel the need to move at all unless for work, and he can help with payments.Id never try to buy a place for 300k. I know they will try to siphon money from my brother and he wont resist, so I wouldnt want him to take that on alone. I just dont know what my best move is. I just feel like Im getting older and going nowhere.  <response>: I dont see any situation you are happy or better off here in alternative.Number 1 problem:You going to date in this situation? Very awkward and a huge turn offYou gotta struggle to break free bud, not get closer.Get on social media and find a dude house 4 dudes in 1 messy hellhole that costs 150-200 bucks a month to rent.Suggest your parents do airbnb or rent all that extra space your supposed to move into. They can charge more then youd pay. This isnt the time, or your job, to make life easy for them.Mom and Dad need to and with Dads money CAN do NOT let them BS you that they will starve to death or suffer have a life with food, lights and a roof on their heads.Dont bank on your brother getting off the ground either. Mom gonna vaccum that situation dry too. Also not your problem.You can love your family well without causing you to have failure to launch. Sometimes loving them well also means giving them some problems to solve on their own.So recap:1 Freeze credit2 Dude house3 No deals 