<prompt> Human: Hello PF! So I am not in any financial trouble but am just looking for advice. I am currently a graduate student and will be moving back home in May. I will have a full time job making 25hr. Hourly is good in this case because it is auditing and between January and April we do a decent amount of overtime. I have a total of about 90K in debt between student loans and a car payment only about 4K of that and 90 of that is to my parents. I will begin paying them off in June at a 2.9 interest rate or whatever their HELOC rate is at the time since that is where the money came from. I will not have many other expenses because we get reimbursed for mileage with my job with all the travel we do.I guess my question isnt really specific to me, but that is just some background. How much money do you feel is a good amount to have saved up by the time you move out to be on your own? How much did you have saved up when you moved out and do you feel like it was enough or not enough? I do not want to live extravagantly by any means. I will make edits as questions arise. Thanks for any advice!  <response>: Depending on housing costs where you live, you could probably move out now without any significant issues, provided you dont spend a ton on additional expenses entertainment and booze and the like.That said, the longer you can not pay rentmortgage, the longer you can easily save lots of money. Id figure out roughly what youll be paying for rentmortgage and utilities in your area and start saving at least that much 10 for other move-out expenses every month. That way your lifestyle doesnt inflate to consume all your income, despite being artificially increased by not paying rent. Put the first few months to pay off the car assuming thats a relatively high interest rate, then start building the emergency fund, firstlastagents fee or whatever your local market requires for renting a place or down payment if youll be buying, etc. 2.9 is not a crazy rate, and since its a loan from your parents, theres potentially a lot of emotional issues there. Pay that off at the rate that both parties are comfortable with ie, if you pay it off too quickly, your parents might think youre rejecting their help, or if too slowly, might resent your mooching, etc. 