<prompt> Human: Hey all - new grad Canadian nurse here. Currently making 40-50k ish before taxes I work community and get paid per visit. With bonuses, etc, its hard to calculate an accurate annual pay - Im still living at home with the rents and itching to move out. I lived here for college to cut down on debt, so Ive never had that independence. Ive got about 12k in debt at 3 fixed 240 annual interest.Im planning on making a big move a few hours away in a year and a half. I know that financially it would make much more sense to stay at home, pay off my debt, save up 4-6 months expenses in a savings account, etc, however I want to get a cheap place in-town here for the time being after I save up 4-6 months expenses still, Im not that wild. Id have more expenses, itd take longer to pay off my debt, and Id have less money when I make the move up to Toronto. That being said, Id have the experience of living on my own in a small, comfortable town that I already know. Might make the transition easier.Would you stay at home rent-free to pay off debt build savings, or quickly build up an emergency fund and then move out?  <response>: It depends on whats most important to you. Money isnt everything, but being financially stable is pretty important. 