<prompt> Human: I am male 27, in a serious relationship but still living at home. I graduated college 4 years ago with 45k in debt. My first job, which I worked the first 3 years out of school, net around 32k take home. My current job is 45k a year take home. I live at home rent free but I do pay for the internet, sometimes groceries and buy 100300 gift for my parents per xmasbirthday. My mom has paid all my loans off for me with an agreement that I would pay he back monthly. This amount was 500 when I had the 32k a year job and now 1k a month with my current job. My questions to you guys is, what is a fair amount I should contribute to help my mother out further? The interest she has saved me is at least a few grand. I have paid back around 20k of the original 45k. Thanks for any advice, if you guys need further info let me know. Assistant: Why not just pay her back as fast as possible? Do you really want to be in debt to your mom at age 30 if you can help it? Also, what does the 100300 gift have to do with what is fair? Will you stop the gifting when you move out? Human: I am actually trying to pay her back ASAP, but I do not have a decent emergency fund yet. I want it to be around 1015k. Also I am helping out my GF with many things as she is in college still. Being traditional I also pay for everything when we go out. It adds up rather quickly. The gift is just there to explain where some of my money is going, as Im buying stuff for the house on a as need bases. Dryer, Power Washer, Sewing Machine things like these as gift and occasionally as need bases. I guess the gift will have to be of lower value if I am to be out of the house as I need to rearrange the budget. Over the pass 4 years working I have 8k in the bank, 20k of debt payed off and a 10k car fully paid. Am I saving too little for being rent free?  <response>: If youre set on helping your mother, stop spending on your GF and move that amount to your mom. 