<prompt> Human: Hello all,I would like some advice on my current situation. I am a 22 year old about to graduate college in 4 months. I currently live with my mom and brother at my grandfathers house and I have to share a room with my mom which has been really hard. When I was 19 years old, I was involved in a pretty bad car accident and I just received a 40,000 settlement. I really want to move out on my own I have never lived on my own and I have found an apartment that I love for 675 month. I would also have to pay for utlities, internetphone bill, car insurance, and groceries. My mom thinks I should just stay here until I graduate and can get a better paying job. I currently work part time and bring home around 1250 a month after taxes. Any advice? Should I move out now even though I will have most likely have to dip into the 40,000 savings because the rent is more than 30 percent of my income? Also, any advice on how to invest my money wisely?  <response>: I know its hard, but always listen to your mom. Shes spot on here.Invest the money in diversified low cost index funds on Vanguard. 