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I live at home with mom and dad in my late 20s

I'm broadcasting because most people who ask or bring up that fact think that I (and other adults who live at home) are mooches, living off their parents.

It is far from the truth in my case.
I've bought all the groceries for the household for years, to the tune of 200+ a month.

I buy toiletries/household items i.e toilet paper, paper towels, dish soap, bath soap, laundry detergent.$30+ a month

I pay the internet bill 70 bucks a month. I pay for tv (Netflix and Philo) 30 a month.

All in addition to my own bills, car payment, car insurance, gas, phone bill,personal items.

I know that a lot of folks at home pay rent to their parents for living at home. I don't, I go out and buy all of the above and that is my contribution.

Oh also, we got the house remodeled recently, new floors, cabinets, door etc.

I have thought about this alot. I used to feel bad about still being at home at 28, but the fact is, I help out a great deal.

My parents DO NOT give me money. Both can attest that they haven't had to help me financially since 18.

I think leaving the nest early is the reason a lot of people are poor now. They didn't save enough money and weren't prepared for high rent and cost of living.

Plenty of people in other countries live at home well into their 20s and adult lives.
It only seems to be certain people groups/cultures who say that a person MUST move out at 18.

People must not realize that a lot more can be done when people live together, build together and save.

I have also thought about the fact that some people who have negative things to say about my living situation could be jealous of:

1.The fact that I have good enough relationships with BOTH of my parents to still be living with them at 28

2. The fact that I get to save a ton of money by not having to spend it on rent

3. The fact that I have very little debt (owe 3200 on my car)

That's all, just a little rant

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SW-User

I always found the American practice of making the kids leave at 18 and looking down on those who don’t very weird, esp bc in Asia it’s very normal for even the children with the best jobs to live with their parents, but I guess it’s because America is very individualistic

cherokeepatti · 61-69, F

@SW-User Children are chomping at the bit to get out if they can, right now the rents are really high and many can’t afford to do it on their own. And there are some who will never leave the nest. Because they don’t want a job or pay bills or whatever, have known some professionals moochers like that.

iamnikki · 31-35, F

@SW-User exactly. They live with multiple generations in the house. Lot of Hispanics do as well. And you see how well off lots of them are.

iamnikki · 31-35, F

@cherokeepatti right, and especially since I see that mortgage payments are cheaper than the rent for an apartment, it really makes no sense. This may not be true for all areas but I asked my dad recently, (asked before but he wouldn't tell me) and the monthly is much cheaper than a 2 BR apartment here.

cherokeepatti · 61-69, F

@iamnikki mortgage payments may be cheaper but you have to add homeowner’s insurance, property taxes, yard maintenance, home maintenance & upkeep in the costs. If your a/c unit goes out it can cost over $10-15K to replace which is a big chunk of $, The advantage of owning a home is that you don’t have to deal with a landlord, inspections & maintenance who come into your place any day of the week, landlord or apartment rules, more privacy & usually less noise, parking is in your garage or driveway, & and you don’t have to worry about water leaks from neighbors or them blocking the shared sewer line & causing it to backup into your place.

iamnikki · 31-35, F

@cherokeepatti oh yes, I do understand all of those. It still makes no sense that you pay more for something you will never own. But I get it's advantages.

cherokeepatti · 61-69, F

@iamnikki You can sell your home & get the money you paid for your payments back if you want to move later. Some older people are selling their homes and renting an apartment, I don’t think some of them know exactly what they got themselves into with the noise & other problems. It would have been better to buy a tiny home & put it on a small lot out in the country & live there to save on maintenance & utility costs.

iamnikki · 31-35, F

@cherokeepatti yea I wouldn't mind a small house. It would certainly force one to get outside. Don't see a point in big houses. How many hours does one really spend at home awake?

cherokeepatti · 61-69, F

@iamnikki Get a storage shed so the tiny house doesn’t get overfilled. You can cook outside on a grill or whatever too, have a folding table & some chairs outdoors. Low utilities because it doesn’t take much to cool or heat a tiny home, I’d consider a small wood stove if I had one.

iamnikki · 31-35, F

@cherokeepatti yea that's a good idea. I don' tthink I'll do it though. I'd rather keep saving and own something one day

cherokeepatti · 61-69, F

@iamnikki well this is if it was just me, I have too much stuff right now for a tiny house but if I was alone & didn’t want to heat and maintain this house I’d consider it. I would rather have a little land to grow things & spend outdoors than a big house to maintain.