<prompt> Human: I am currently living at home with my parents in a distant suburb of Chicago. I am 24, make 65K a year, and have 13K remaining in government student loans plan to pay them off in one year, I have 20K in savings, and 15K in an investment account at the moment, also have 10k invested with my dad in a property. I commute an hour to work everyday and that includes bad traffic. I really want to move to the city, where I went to school and all my friends live and I will be slightly closer to work can take the train, which would be cheaper plus can get work doneread. I seriously hate it here in the suburbs, no friends here, nothing to do, overbearing parents so no romanticsocial life at home etc...however, it is saving me in rent, utilities and groceries. On one hand, I know that after a year with living at home, I will come out in a much better financial situation, but on the other hand, I feel like I am throwing away yet another of my prime years. Anyone with experience with a similar situation have any advice?  <response>: You are already in a great position. You can get a cheap apt and still pay off your student loans in 1 year, 18 months if you have to. You make a great living so it is time to move out and enjoy life as an adult. If you had more debt id say stay, but youre doing just fine. Commuting to work sucks and yeah if you ever wanna get laid you need your own place. 