<prompt> Human: I am 27 years old and work full time making 30k a year, gross. I have one child single mom. We both live with my parents and share a bedroom. I contribute about 500 monthly towards household bills and groceries, spend another 500 towards my own bills, and save and spend the rest of my monthly paycheck. I have 14k in student loans, which I am religiously making the monthly minimum payment on. I have a credit score of 713 and a baby emergency fund of 1.5k. Presumably, everything needed to get my own place. However, I am on the fence as to what would be the best course of action to take regarding whether I should stay at home for another year and pay off my student loans, or move out now and end up taking longer to pay them off. Ive been living at home for 3 years and now that Im gainfully employed, Im ready to get my own place and have more independence and freedom. But I could tough it out one more year and have my student loans paid off by December 2018 or even January 2019. Or, I could move out during the summer and be done with my student loans in probably late 2019 or 2020. My reasoning for moving out now are the following:- My child and I need separate bedrooms-Ready to partake in adult activities, not feasible with my current living situation-Tired of being obligated to watch younger family members-Family and I have different standards of cleaning-The need for my own space as an introvert and homebodyStaying home would just accelerate the rate at which Id be able to pay off my student loans and even save a bit more for my emergency fund, per Dave Ramseys Baby Steps of 3-6 months of expenses. What would you all suggest?  <response>: There isnt really a right answer here. Monetarily you should stay forever becauae whatever the income youll be making more if you arent paying a higher rent. But if you want to move out Id get at least an emergency fund that will cover 6 moths of living. Rentfood. So you dont end up back if something goes wrong. It just comes down to what do you want more? 