<prompt> Human: My friend and I were talking about moving out into an apartmentcondo house and I was wondering are there any general rules of thumb financially when moving out? Would a steady job be all that one needs?  <response>: The biggest thing to remember is that when you move out, your disposable income is going to go from essentially 100 to 5. Unless youre both paying rent right now that is fairly high, going from 100 to 5 sucks, and gets a lot of people in trouble.They kind of get used to working 40 hours, buying that neat gizmo, going out and drinking all weekend, or whatever. All of a sudden your disposable income goes from plenty to nothing, as everything goes into living expenses. The second thing people neglect is that emergencies shouldnt happen more than once every several years. Think about a car accident. Every day there is an I almost had an accident today! that isnt an accident. Accidents happen pretty infrequently. Youre more likely to think of normal expenses as emergencies and get yourself into debt. The car broke down, I didnt expect that! Well that is a normal expense, cars break down. You need to save for them. Same thing with almost everything in life. If you ignore them to make your budget work, youre going to get yourself into trouble. Learning you have way less for fun is important Learning to actually save for those events that take place every 1-3 months is important. 