<prompt> Human: I apologize if Im very confused since I know so little about money. It would be very easy for me if you guys could ELI5, even concepts you think I might already understand : My goal is to move out as soon as I turn 18 in early September. I currently make money selling things about 100week, depending on how hard I work. Ive never had a job before, but Im planning to get one as soon as summer starts. I would like to buy a house, and I will probably house hunt a month before my birthday.I recently got out of an unhealthy relationship that made me constantly use the money I was going to put away for savings I dont really have a savings account, just a checking account and a Google sheets where I divide and manage my money into money to save, money to spend going out, money for personal spending, etc., so Im only starting to save up again only got about 100 in the saving section lol. I currently put 40 of everything I make or receive into the savings section.My parents will be very against this decision, which is why I want to make the whole process as quiet and easy as possible manageable by myself; I dont want to get into some kind of trouble with the process and have to end up telling my parents.6 years ago I was involved in a car crash a car crashed into my room as I was sleeping, and I believe my dad mentioned I had a 6,000 settlement under my name as we were completing my FAFSA. I believe I can only access this when Im 18. How do I go about getting the money while asking my parents the least amount of questions that will raise minimal suspicion? My parents may be wary about the fact that I expressed that I wanted to move out ASAP before. Is it possible to collect the money without letting my parents know at all? How do I do it? I want to use this money towards down payment.For reference, I live in SoCal, and I did a little bit of searching. I want to get a 3-4 bedroom house and rent out the extra rooms enough to cover mortgage some extra I could put aside for extra expenses or for myself. What would I have to do to get to this point? How will this work out for me if I have no credit to begin with? Are there permits I will need to rent rooms out? Ive seen some nice homes for sale that were 60-75k 3 bedroom homes, and there were estimated payments of around 400-450 per month. How accurate will this estimate be?Im very confused and lost but this is something Id really like to do. I really want some kind of step by step guide for dummies but I feel like thatd be too much to ask for!Assistant: Sounds to me like you need some more life experience before buying a house. Start with a job. A real one. Counting on the tenancy of others as sole income is a bad plan. I moved out when I was 18, into a 500 month apartment, opened a Walmart credit card and paid off the balance each month. The fact of the matter is that no one will give an 18 year old with no job, no credit, and no savings a home loan. Not happening. As for your settlement, a bank will not qualify that as an adequate source of consistent income. What happens when the 6k runs out and you cant find tenants or they bail, leaving you with a mortgage you cant afford?I didnt have a great home life at all, now my parents and I are best friends, my wife and I love spending time with them. You are going to want their support, going behind their back with this pipe-dream will just validate whatever feelings of immaturity they have towards you. Just my two cents. Human: Thank you for your input : Im pretty sure Ill be keeping a job from then on, and I make enough money on the side selling things to cover myself if I cant find tenants or they bail on me. I just wouldnt be living in luxury or going out to eat very often :PWould I still be considered for a home loan if I had a job? Id work my ass off whenever I dont have school if I could.I dont want to comment on my home life, but I would like to say that my parents are strong believers in hoverparenting and want me to stay in their house for years to come. They didnt even allow me to go to the school I wanted to because it was too far from home. I respect them enough to go to a lesser school close to home, but its extremely difficult to be living in this house. Im well-behaved; I dont ever want to cause them trouble if I can but I honestly cant breathe here.  <response>: Dude -- Seriously, I applaud your ambition but like uKStofz said, get some life experience under your belt first. There are just somethings you have to experience yourself first. Youve never even had a job and youre rushing wanting to buy a house. Thats silly. Youre 17 and have plenty of time to do all these things.For now just focus on getting a job, and planning to move out into a rental. That itself at 18 is a huge leap. I mean have you even thought about all the costs of just doing that? First and last rent, security deposit, furniture, pots, pans, plates, forks, groceries, utility bills, cell phone, gym bills just to name a few off the top of my head. Do you plan to have a car? Excise tax, maintenance, fuel, etc. 