<prompt> Human: Hi everyone, like the title says, Im a 23M making 82K living at home in San Francisco. Im still paying off my student loans 19K remaining but at 4, Im in no hurry. I am and plan to continue to max out my 401k and IRA. I would like to move out in a couple years after I save up some more. The thing is, my work is only 15 minutes away from my parents house during rush hour. I dont see myself changing jobs in the near future either. My monthly take home pay is 3500 and my monthly spending is 900. We dont go to concerts, raves, drinking, or have any expensive hobbies. My girlfriend and I love to eat and try new places. Thats where most of the money is going. Im not necessarily looking for budgeting advice as well just cut back on eating out to save more month, just trying to see what pf thinks.Opinionsadvice on when to move out?Assistant: Sounds like youre happy where you are so there is no rush. I want to caution you about my experience in a similar position. You are currently experiencing lifestyle inflation. You are living a 200kyear life on an 82k paycheck. You and your girlfriend are forming habits by eating out often; if you were to move out on your own tomorrow, you would not be able to sustain your current lifestyle. I did the same thing post-divorce, and it was and, at times, still is hard to adjust when getting your own place. I think back to that time before mortgage and utilities on my own and I still cant remember where all that money went. You really do need a budget; budgets arent just for poor folks, they are for people who dont want to be a slave to their money. Make paying off your student loan a higher priority. Put money in savings each month maybe half what you expect to pay for rent when moving out? and set up an allowance of spending money. Once youve spent your allowance, youre broke until payday. No borrowing from savings for a dinner out, its PBJs and Netflix dates. The best way I could do this was to create multiple accounts, and I only carried the debit card for my allowance money, helping to save me from me. But to answer your question, stay with your folks as long as you, your folks, and your girlfriend are happy with it. If youre respectful and everyone is happy, living with your parents as an adult can be rewarding. Not many people say I wish I had spent less time with my folks once theyre gone.Human: I had no idea that this is a 200kyear lifestyle. Thats definitely an eye opener. Just curious, how did you come up with that number?I was under the impression that because the interest on my loans arent high, a lower priority is ok. But seeing as how you and another stressed on it, Ill probably give it a higher priority.Whats the general consensus on spending money? I understand that its eating out, weekend vacations, movies. Do you allocate a separate fund for gas, groceries we typically cook a whole weeks worth of lunch on the weekends or is that just straight from savings?  <response>: Thats because it isnt... Just keep in mind that the money youd need for rent needs to come from somewhere, and will eat in to your dining budget. You dont have to live a monastic lifestyle after you move out making 82k a year. Even in SF. 