<prompt> Human: Bit of background to start; I am an Insulator Apprentice going into the second year of my apprenticeship. I will be making a little over 22 an hour with fairly good benefits and a solid 40 hour week. Ive a lease on my car that runs me 341 per month and 51 a month for lifeaccidental death insurance. That all being said Ive been trying to get someone in my family to go over the cost of living on my own with me however their response is almost always Youre not ready and that ends the conversation entirely. So I ask you reddit, what is the actual cost of owning a home or apartment?  <response>: 51 a month for lifeaccidental death insurance. Unless you have a child or wife right now that would depend on your income after your death, you probably dont need that insurance. That 51month can be better put toward getting a roof over your head of your own. 