Annual tuition is about 7k, I don't have any kids, and in my area studio apartments are about 550 in an ok area and like 800 in a great area.
Well, if you HAVE to move out....you can. If you buy some used furniture and find some apartment units that pay a good chunk of your utilities, then I think you would be good to go with a studio apartment at $550 - $625 a month. You are making $2k a month before taxes. Your tuition gets you the annual tax credit, and you could honestly put that low amount of tuition on a Stafford Loan which is going for a very low rate right now at 4.66% which isn't bad. You could easily pay that loan off over a 5-10 year period instead of using up all of your cashflow to pay for it right now. Focus on getting out of college within 2.5 years, network, and have a job lined up paying you about $35k - $40k at least.
That's a good way of putting it. That is exactly why I'm insecure about it. I don't find very many black women attractive.
A lot of guys don't find black women attractive other than black men, but you could always use them to get cheaper, quicker, faster pvssy in the meantime. It's not a life long thing, just something to keep you occupied during this time and once you get "on" you can go after better pvssy.
I think that I might be able to make it on my own at the moment but I don't want to have to struggle with money. Financial problems are very stressful. Not only that but my vehicle is not the best and I am going to need a replacement within a year or so.
Its hard for me to get out of my comfort zone.
Well, hey, I'm sure everybody on this forum would be in a "better financial situation" if they lived without having to pay rent, mortgage, utilities, furniture, and vehicle costs (purchase, repairs and maintenance). But these are costs of being an Adult my friend, you make $25,000 a year and have access to 4.66% a year Stafford Loans up to $10,000 - $12,500 a year. You also have access to discounts, loyalty clubs, budget calculators, and a number of other things that can assist. Plus you live in a low cost of living area with no kids, you have more than enough to move out right now.
You might say to yourself, "I don't want to take out any debt," but once again, that's what a lot of us had to do and are doing to maintain our adulthood. Don't feel so bad about having debt, if you have the right type of debt, at low rates, and are using it properly.....debt is just a TOOL.
But if you want to continue staying with your parents, it's up to YOU, but at your age yes you are too old to be there. This is an excellent strategy for a person 17 - 21 years old, which is someone fresh out of HS and finishing Community College/Undergrad. While you are finishing Undergrad, you are just at the older side of the scale.
Like I said, Insecurities are just as important as Faith/Passions.
