<prompt> Human: I want to start off by saying Im not struggling to get by or anything. Im pretty frugal.. I have a decent salary for someone not too far removed from college 50k in a medium cost of living city. I used to commute for the first 3 months to my work and living with my parents.. it is an hour each way.. not TERRIBLE, but still a bit time consuming. Now that I have moved 2 miles away from work since February, its tougher to save up money obviously since you have rent, food, etc to pay for. By the end of this year, I will have saved up around 20k, but that number could be around 35k if I still lived with my parents. I was just thinking about how I could have maxed out a 401k and a roth IRA and still have close to 10k left for emergencyentertainmentother fun expendituresother investments. I know at some point you have to grow up and become independent, but if that means living an extra few years knowing that you dont have to worry about retirement since youre maxing everything and can retire early.. Im just not sure what to do in this situation.  <response>: At this point youre not moving back with your parents. Youd be asking them to subsidize you. And potentially theres nothing wrong with that. When youre doing your ER calculations do you include a cost growth for adult children dorming with you : 