<prompt> Human: Hey rpersonalfinance!I have a big dilemma in front of me - I am 23 and currently taking home 41kyear 3416month after tax pre-tax is about 58k, and I am wondering if I should move back home to save money and pay back my debts.---I started living on my own after high school, as I was tired of living with crappy roommates and so as soon as I got what I thought was an ok-paying job with no dependentsor significant expenses I went ahead and rented an apartment by myself.As this was the first time I lived entirely on my own I had only lived with roommates etc or at home up to that point I had to start entirely from scratch, and had the in hindsight, bad idea of purchasing all the the furniture and various household items that I wanted straight away when moving in as I thought itd be worth it to have everything I thought I needed from day 1 and just pay it off in 1 year.4K 75 TV, home teathre, shelves, books, lamps, plants, furniture, kitchen supplies, beds, sofas, fridge, freezer, washer, dryer, tables, bookcases, and all sorts of things later I ended up using all that I had saved 3-4K, and with 14k in debt all in all loan at 12.95 EAROn top of that, because of things I shouldnt have purchased, misc. emergency expenses and unforeseen circumstances, I also ended up with 13k of credit card debt 6k at 0 EAR for 6 months and 7k 11 EARI also have my student loan at 5 years8k left, though with an interest rate of only 1,75, so paying this back beyond minimum payments hasnt really been a priority.---My fixed monthly expenses are:- 1400, rentelectricitywater- 280, transportation fuel, insurance, toll roads, maintenance - 300 groceries - 150 phone, internet, tvmusic streaming etcI should add there is little room for cuts here, all of this is already at the bare minimum for the local COLThis means that in living expenses only, I am at 2130month. Realistically, its more than that as I always have at least 50-200 in various costs popping up once in a while.This leaves me with 1200 a month to pay off my debt. And thats without any fun money, no traveling, never eating or going out, or buying any gadgets.At this rate, Ill have paid off my 27k debt in 27 months, provided nothing major breaks down, and I still never go outtravelbuy anything new. Which seems sad and unrealistic.In short, even though I really enjoy where I live and my material possessions, I feel trapped by debt, and as I sit down on my 1k leather sofa watching the 75 4K TV I just had to have spoiler alert: I didnt really need it and should have gotten a cheaper one, I wonder in unrest each night if I should just cut my losses, sell everything I own, and move back home.If I sold all of my furniture, gadgets and misc. stuff, I estimate that Id end up with 7-10k this is realistic from experience, in addition Id also get my 4k lease security back and could also return some other items that I purchased for full price thanks to extended return policies for 5k.I have thought about this for some time, and came up with the following:---PROS of moving back home: Only cost of living would be transportation, 300month, giving me 3k a month to pay back debtsave By sellingreturning everything and terminating my lease I would end up with 16-19k in cash with which I could pay off a large portion of my debt. With this and the money I wouldnt spend on rent etc, Id be able to pay back my debt in just a few months, and I could then saveinvest aggressively, building up a nice nest egg in 12-36 months. Helping out my aging parentsspending more time with them, time is going by quickly and they are not getting any youngerCONS of moving back home:- Losing my independence to a great degree- Living in an objectively worse, much smaller place, with a longer commute and in an area I dont enjoy as much- Losing all the comfort and enjoyment that I get from my lifestylefurnitureitemsgadgets.- Higher stress, being limited in my preferred lifestyle choicesactivities, due to lack of compatibility with living at home- Itll be a great timeenergy consuming hassle to move out from here and sell everything, and likewise when I later want to get back on my own- Stigmasocial aspect of going back home its often frowned uponI should also add that my job is not very fulfilling and I would like to save up enough to be able to cover 3-4 years worth of living expenses in the near future at a much lower COL than my current one freeing up time from my day job so that I can go off on my own starting my own business andor freelancing. This sort of starting capital would easily be achievable if I lived at home for 2-3 years.However if I keep doing as I do now, itll be at least 5-8 years before I have any sort of capital put aside..Ideally Id much rather stay where I am, but Im finding the financial and future implications as well as remaining stuck with increasing debt very concerning.What do you guys think? Should I just suck it up, cut my losses, move back home and pay back my debtstart saving towards my goal? Would you, if you were in my position?I realise that I alone can answer this question, but I would highly appreciate any inputsthoughts, or experiences if any of you have been through something similar before.Thanks!---Side note, I dont live in the U.S., but converted the local currency to USD for ease of discussion here. Also, I live in a country Scandinavia with universal free health care, so potential unexpected medical expenses are luckily not a concern  <response>: 1 Sellreturn the things you dont need.2 Move back home. Save on rent, pay down debts.3 Patiently look for living situation that you can afford. They are out there in every city, Im certain of it. You will be well-positioned to find a good living situation if you arent currently bound by year long leases, 60 day termination notices, telecom contracts, etc. 