<prompt> Human: Hi all,I will be graduating debt free in May and starting a job in July that pays 85kyr and one time 15k signing bonus as a software engineer. Im very grateful for the opportunity but I am also trying to be wary of lifestyle creep. I commuted to the same company as an intern last year and my commute from the suburbs on Long Island takes me about an hour and a half door to door each way. I found it to be pretty draining and Im considering renting a place in the city with friends after graduating, but am hesitant because of the extra expenses and opportunity cost of having that money be invested, saved for an emergency fund, towards a down payment on an apartment obscenely expensive in the NYC area.My relationship with my Mom the only person living in my house is pretty solid and she has even advocated for me staying at home until marriage. I also have an understanding long time girl friend so I will not have to deal with many of the single dating problems living at home comes with. My only issue is with limited free time 50 hour weeks at work and 15-18 hoursweek of commuting which may cause me to neglect my friends and health, not have time to work on side projects, and potentially not developing as much personally and gaining life experiences as I would otherwise have enjoying the city, living in an apartment with friends, etc.The monthly costs of my commute are quite high: 400 commuter rail metro card, gas and maintenance on a car given to me by my grandmother who can no longer drive. The insurance payments are low100-150mo but currently made by my mom. However these payments are small in comparison to life away from home: estimated 1500-1600 in rent, more for utilities, 120 metro, no more free home cooked meals etc If further breakdowns are needed I have comprised several budgets based on my living situation.Initially my plan was to live at home maybe a year or two if I can bear it, but I wanted to post here to hear all of your advice on the topic. Thank you in advance!  <response>: Im going to go against the grain here. YOU ARE ONLY GOING TO BE 21 ONCE. I partied hard through out my 20s. I dont regret it for one moment. Move out of your parents place. You are not in a bad situation financially. Just because you move out doesnt mean you are going to become financially inept.edit- Ps... You have your 30s to become FI. There is more to life than things. 