<prompt> Human: Hey there Finance Gurus, typical slacking millennial here still living at home with his parents 24, male. I finally got my first full time job right out of college, its a decent entry-level IT job paying 14.84 an hour. Its full time so healthdental comes out of my paycheck. Commute is 30 miles. Anyway Im very thankful to my parents and Im considering offering up a small amount of rent. How much should I offer while still saving up for a potential down payment on a house in the future? Im already planning on taking on my car insurancephone bill so thatll help a lot as well.  <response>: I would recommend taking on your insurance and phone today.Then I would look at what would rent would run you to move out. I would offer that amount but insist on paying at least half, if they wont accept full payment.This is good for your self esteem, and lets you build confidence in your ability to manage your finances. If they wont accept any payment just put the full amount in a savings account. Then when you move out you have a safety net. 