I understand where you are coming from. As I stated, my son is 27 and he just moved out. He got the Georgia Dream Loan to buy his house which included a 10,000 grant. He didn't save a dime before he moved despite my nagging. Maybe there will be a program in your area like this. My youngest son is 20 and just moved into a house with three other guys. He tried living in an apartment with his gf, but they couldn't make it either financially or relationship-wise. This four guy thing may be ok for now but it will get old. LIfe is tough out there, I understand that. On the other hand, my son is making the same amount of money as I did when I retired from teaching ten years ok. I had two degrees, 32 years of experience, and 15 certifications. I know what it's like to struggle.