<prompt> Human: thank you to those who give this a read. im a 20 year old male who refinishes and installs hardwood floors making 15 an hour. were a well known local company and we get a lot of business, so I get a ton of overtime every week. Im living with my mom still but Im looking to get my own place here soon. I was just wondering if I could live off of what I make as of now without living paycheck to paycheck? I have a credit score of 650 if that helps at all  <response>: Of course you can. Theres tens of millions of Americans who live on less than that. But, how easy it will be and what kind of lifestyle that will require depends heavily on where and how you live, who youre taking care of, if you have debt, etc.First step is to set up a budget. How much is your monthly take home pay, where do you want that money to go, and where does it actually go? Then add expenses youll have after getting your own place that you dont have now: rent, utilities, insurance, possibly food, possibly more on transportation, etc. Once you have that, youll have a better idea of what questions to ask and PF will be better able to help you. 