<prompt> Human: Im a 27 year old male, still living with my parents. I make 50k a year, no car or phone payments, and have about 3000 left to pay on my student loan debt no other debt. I plan on moving out after I pay off the rest of my student loan debt, but I am not sure if its a good decision. I live in Ohio, and I plan on looking for an apartment on the 800 -900 range. Should I save up some money before I move out or should I just got for it after I pay off my loans?Ps, I live in Ohio.Graduated and got my first job making 50k at 26, with 25k in student loan debt.  <response>: Because nobodys given you full on props, congratulations on crushing those loans within a year man! Regardless of what others say, its mentally taxing to pay off debt, more so when you know you _could_ use that extra 50 here or 20 there and it wouldnt be a big deal.With little to no extra expenses at the moment eating up cash flow, you might be good to move out on the last payment of your student loans assuming you get first and last saved, as well as any potential deposits and hookup fees for utilities. If theres no immediate hurry, definitely stay at home for as long as you can handle and save that money while you can. Youll thank yourself later when something inevitably happens, and the best time to sock away money is when you can afford to, which is right now.Look into what everything will cost, from utilities to food to personal maintenance and other boring stuff like clothing and contributing to your retirement, and be realistic. Dont expect youll only spend on water, electricity, food and rent, understand that therell be a cost to buy cleaning products for the house, that youll wanna go out for dinner from time to time, that youll wanna splurge on whatever hobby you might be interested in or buy gifts for other people. Take the time to consider what _everything_ will cost. Tally it all up in a budget and see where you come out at the end. The money you have remaining is your free spend money. If youre comfortable with having that amount to do whatever you want with every month, be it save for a house or use it on hookers and blow, youll probably be fine.This is all stuff I wish someone had told me very directly before moving out. I certainly dont want to move back in with my parents unless I absolutely had to having already moved out, but let me tell you an extra year under my parents roof would have put me several years ahead in my financial game. 