Young Adults Stuck at Home, Broke

“It seems like you deserve to let go a bit, although it goes against your nature. don't be too hard on yourself. have a nice vacation and the comfort of a fixed home. it seems to me that you can save that money again without too much of a hassle.”

“I had a similar situation with my mom. We did my taxes to see how much of a refund I would get. I never filed. She gave me the money I would have gotten back because her refund was much bigger and it was still worth it to her to claim me as a dependent (which I was anyway) after taking out my theoretical refund.”

“in my area I’ve built a rep for doing dumb stuff Everyone at age 18 straight out of high school has a rep for doing dumb stuff. It's called learning how to be an adult. I was thinking abt going to college but I wanna start a business, so I asked myself why not start a whole new life? Why not go to college to study business or a major that you would be passionate about that lend itself to a viable career. so why not just take a risk? But don't conflate "taking a risk" with &quot”

“What the hell was he doing driving an 80,000$ vehicle is he crazy with no job? He made his bed so now he has to lie in it.”

“Yeah it’s not your responsibility. If you choose to support your parents that’s ultimately all on you.”

“Your parents' financial situation is not your responsibility. That is not your problem now, nor will it be your problem later. Live your life, otherwise you'll screw up yours. Get the hell away from their.”

“Absolutely do not trap yourself by supporting them. Get out. Start your life and if and when you are comfortable financially you can offer help if you'd like to. Don't ruin your life for them. Their finances are their responsibility.”

“Ps OP make sure you protect your own credit as guarantee your parents will start taking out credit in your name (if they haven’t already)”

“It looks like you don't know what you want. You can't make a strategy to get what you want until you know what it is. It's not really clear from your post why your life would be better if you moved. The problems you have in Japan are likely to follow you to another country unless they are actually specific to Japan, but nothing you mentioned seems Japan specific. If I were you, I'd think more about how you could design the happiest and most fulfilling life you can where you are.”

“I’m 30F. My aunt and uncle offered to let me move in so I can save money, considering I have no savings. They are not charging me rent since they own their home. Will save the sob story that led up to my moving. I know I’m not a victim and don’t intend to be. But it’s been a pretty hard past 10 years to say the least, filled with death and losses. I moved in with them in March. Since then, I have had 5 different jobs and haven’t saved a penny. In fact, I’m now $1,200 in credit card debt (thankfu”

“I bought my parents a house while I was still sleeping on friends couches. Parents well being always came first - then by extension my siblings were in a better position as well so they could stay with the parents when/if needed. I come from a family of 6 kids and 2 parents who were homeless for parts of my teen years. Once they were stable, then I was stable... and started to hit my stride in business... working with friends the whole way and dragging my siblings along to make sure they were we”

“Please don't listen to the people being cruel towards your mom. She is clearly struggling mentally and deserves compassion. You seem like such a good kid. I'm honestly inspired by how hard you're trying to help your family and how kind you've been in the comments. I'll be praying for a lucky break to come your family's way.”

“I haven’t dashed since December 9th of last year . I decided, “Hey, it’s my son’s birthday weekend, and I’ve got a couple of things coming up. Let me see if I can make some extra cash.” I opened the app, drove to my location, and waited for my first offer of the day. As soon as I pressed Accept , my account was deactivated… for absolutely no reason. I’m so pissed right now—it’s absolutely insane. I was literally just scrolling Instagram while waiting for an order. An offer came through, I hit Ac”

“I will never understand people who come on this sub and go "Have you tried not spending money? Hope this helps❤️"”

“Thank you for the insight and reminders of things I will need! I probably won’t be joining the military though. This is what I have estimated so far (could be entirely wrong, I tried my best): After taxes, I roughly make about $3,700 a month. I’ve estimated that the absolute necessary costs would be my car insurance, phone plan, gas, basic groceries, one $20 subscription that I pay for through being a user on my aunt’s credit card (hopefully later my own credit card), medication, average utility”

“It is mostly for him to think about for later. Once he has stabalized instead of shorter term benefits of life style inflation to start think about the benefits of long term stability. Kinda looking at a road map and look a couple steps ahead to subtly prepare”

“I love the fact you took the leap but I disagree with you not paying yourself. You should pay self before you pay anything else or anyone. Now that is just my opinion but that’s always been my first rule. If you can’t afford to pay yourself then you don’t have a business yet”

How much usually?

“Y'know I might've thought the same. Was miserable and struggling with health issues and couldn't get ahead no matter what I did. Then I had the worst episode from my health issues I'd ever experienced and I thought I was going to die and was out of work for months trying to treat it. Things were looking up and I thought I was going to pay off my debt this year and... I got hit by a car :/ I can't catch a break. When things "look up" I swear to God that just means a”

“The only point I was trying to make is, "it's more complicated than ." The household affordability problem is extremely complicated. In some cases it's indeed NIMBYism - some law that limits to single-family housing, or complicated HOA rules, etc. Local board approvals required.Sometimes it's just plain-old high-demand. Who doesn't want to live in a big fancy metropolis as a 25 yr-old with money? More people move in than it's physically possible to bu”

“My read was that OP plans to get a brief summer job to pay for their trip to NY that Dad won't pay for, which OP acknowledges is totally fair and that their whole point in posting this question is to make sure that their summer job doesn't mess up dad's ability to claim them as a dependent and get "every penny" dad is entitled to on his own tax return. Sure, dad's full support of OP is generous, but I'm not getting "entitled kid" and "poor dad" v”

“Under 24, full time student, live with him except possibly temporary absence at colege. He can claim you unless you pay more than half of your own support. Effectively, everything you earn that you spend is considered your own payments towards supprt. If it gets put into savings it is not support. Suppirt includes the obvious like food and shelter but also things like entertainment, recreation, hobbies.”

“Hi, I’m an unemployed adult, whose still lives with his mother , a mother who has his credit card (dude wtf, this she says is until i get a job to make sure i dont spend money) I’m a failure!! My Mental health is fked, But at 31 i am finally trying to fix it somehow, i can’t go on in limbo unemployed.. And i have been working very hard , putting together my curriculum (my CV) and additionally a portfolio website (via canva) full of course work i did, and believe you me, to visually put everythin”

“I just mean trying. I don’t know if I can. I think I might spend all my money, eat lots of junk food, and do too much till I crash and get so sick. Only then my family has to caretake me and they don’t need the stress. So I shouldn’t. But I feel like being selfish and doing it anyways because I cannot exist like this I just can’t. I cannot do this anymore I just can’t, the nightmare needs to fucking lift now, it’s been long enough okay I’m ready to wake up and go back to just having the usual da”

“hi everyone, i’m 17 (turning 18 soon) and I’m heading to college during the fall. My mother passed away two years ago, and my dad gives me about 50 dollars a month as “support”, I also don’t live with him and have a social worker. I receive $700 for rent and groceries along with my twin sister. I’m in Ontario, Canada, so this is only really applicable to OSAP and finically aid in Canada. I’m making this post because I’m more stressed than I’ve ever been and I have no clue how I’m going to pay fo”

“When I worked my first retail job I was staying with my mother which allowed me to save thousands of dollars, but when we had a falling out I had to move out. She was still kind enough to help me get my first apartment, and I was able to pay my bills for the first year even though my hours started getting cut, due to the savings I had. Well that job ended up basically laying me off for "poor performance" (which is a total lie imo but it is what it is) last year and to my shock, I spent”

Do you live at home? If so you’re her little tax deduction.

Get it girl

“I was too trust me lol 😆 I never knew what i was gonna do... I dropped out of high-school half way through do to my hospital stay etc but later got my GED. I ended up taking a job doing plumbing and fell in love with it. Idk why, I just did lol. I NEVER thought thats what I would do and never wanted to when I was younger but once I started it It all changed and I figured out I enjoy the type of work I do and it pays BANK when you work for yourself and have your own business etc. Even if you wor”

Sounds great if you can afford to live off love and fresh air.

“I wasn't talking about OP. If anything, OP and I are in agreement with their plan: get a job and help the parents pay back the loan. I was talking about the people saying it's not OP's responsibility just because the Parent PLUS loan isn't legally in their name. Yes, the debt was unknown to them, but the money went directly toward their schooling. The parents also helped them out a lot financially in other ways. They could have easily chosen not to help and just paid off the Pare”

“Note: This is kinda Family Advice and Financial Advice at the same time so please keep that in mind. Im 22M and my fiance is 22F, we are currently parents of 1. To keep it simple and as brief as possible, last year around the end of March, I was let go from my job, with no unemployment. They filed that I quit instead, when the department that I was working in was being shutdown. This all happened a week before my child was born. Ive been unemployed ever since technically. And during that time Me”

“I'm 18 and I recently started university. Also, English isn't my first language, so I apologize if I make any mistakes. Since classes take up a good part of my day, I don't think a regular part-time job is the best option for me. Instead, I'd rather invest my free time into learning a skill that could eventually make me money online and give me some flexibility. The first thing I thought about was video editing, but I'm not sure if that's the best choice. I've also lo”

“If her income exceeds her expenses she is in a great place and the rest is gravy. She should be keeping money aside for home maintenance, which can hit suddenly for large amounts. I wouldn't invest her money for her. You don't want to be on the hook for mistakes or just poor market performance. You can get a robo-advisor from Vanguard for $400/year or a real advisor for $700/year on $200k. It's not a lot and probably worth it for someone like her to not have to think about managing t”

“Is the more expensive wine worth it?”

“Im not going to down play your position. But I will say you aren't sentenced to $8 hour for life. Decide what you want to do in life and try things out. This isnt the age to be wreckless, but to explore. You are still very young and this seems more of a learning experience”

“80k is far from peanuts for a single person without kids. OP will be alright. He's 22 and got knocked down.”

“When I grew up, I was acutely aware of how poor we were and how much everything would cost. When school or summer camp has T-shirts you could buy, I wouldn't even bring it up to my parents; I already knew what the answer would be. I remember leaving things off of letters to Santa because of how expensive they were. Conversely, my wife grew up kept completely separated from her family's financial position. We both struggle. I will drive a car well beyond its usability because I'm cond”

“I can't believe high school is over 8 years ago yet I'm in same spot as I was that many years ago. I just don't know how to progress in life. I can't even think beyond a entry level job or somewhere dead end job like at a fast food or retail store. I just don't know how to seek opportunities and what skills to learn and ways to elevate life. I also wanna increase my income and settle down like everyone. It feels shameful maybe it's unspoken rule that in society people onl”

“I have been renting rooms for so long and I just want to have my own space. I don't want to live with strangers. I want to cook meals without having someone else in the same kitchen 1 foot away from me. These days, people have just been doing coed and I am not comfortable with strangers of the opposite sex living with me. The issue is that my own apartment usually means 1 year lease, so I am just anxious at every single review. I can see an apartment with majority good reviews, but if I read”

“I’m looking for some outside perspective because I feel conflicted. About two years ago, I moved back in with my mom. At the time, I was trying to reset my finances after realizing my previous career wasn’t paying enough to build a future. Since moving back, I’ve been working full-time, going to grad school, and using the opportunity to pivot into a better career. It’s worked out well—I landed two growth-oriented positions and increased my income by over 20%. The living situation wasn’t ideal. S”

“Gonna start this off with me being extremely lucky that my parents are super supportive. They are immigrants who worked hard and hustled their whole lives, never pressured me, and just always have done their best to ensure my success. They fundamentally believe in the value of education and were able to get in a good enough place to fund my college education and help me with my application fees. But I am genuinely so stressed out. I have worked part time, small jobs since I was 14, but it's”

“You'd be surprised how many of your peers are getting support from their parents. Help with gifts for birthdays, help with bills, free food and events. Su sidized vacations. Sometimes they've also had access to financial support vehicles and minor inheritances.”

“I do have a job, and I’m moving across the country soon so I’m worried I’ll struggle to get an apartment without good credit. I need to open a new account anyways since I need to become financially independent from my parents (long story). I don’t want to give them any opportunity to see or control my finances.”

“I'm 23y and I quit my hotel job, idk, I just felt like I wasn't going anywhere with my life, so I decided to quit and focus on accounting, now I'm just at home watching the boys and one piece And I want to move on because I haven't been jobless since I was like 17 or 18 And I do have a question, should I stick to online job posting, or should I go to banks companies in person, And I'd really appreciate any advice in general submitted by /u/stevejoobless [link] &#3”

“Hi everyone! I'm new here and I need some help. I've been accumulating a lot of stuff for a few months now, like junk. I don't know why I don't just throw it away (I find this really hard), but I've also had the following problem: cockroaches have appeared. It's summer where I live and they're popping up everywhere, and they terrify me. I want to start cleaning and getting rid of the mess, but I'm scared of them. I've tried traps, but nothing has worked. Any a”

“So my school starts early af and it’s stressing me out. I don’t have an apartment and right now I’m staying with a close family member. The apartment that my partner and I had lined up fell through due to shady behavior from the realtor. I’ve been scrambling to find a place but have been unsuccessful and now I start in two days. I’ve been so preoccupied with it all and haven’t prepared much for the actual first day. I’m worried about how our move will impact my academics and was wondering if any”

“Flip it around. How do you think your brother would feel if you did not take the opportunity because you don’t want him to be as burdened?”

“I’m on the tail end of a gambling addiction that started 6 months ago after my finances finally stabilized after my drug addiction ended about 3 years ago because I died and was revived and just havnt touched them sense and have a anoxic brain injury. I’m on ssdi and get 1932 a month but my issue is that I’ve racked up a bunch of payday loans that are draining my account each month (sunshine, af24/7, speedy cash) I also have lines of credit through credit fresh and net credit and also I took out”

“Hi. I’m 19 years old and I want to get into university and prepare for the entrance exam for the rest of the year, but my current situation is quite complicated and I need advice from people who have been through something similar. I work as a freelance designer to help my family financially, and I’m trying to prepare for my university entrance exam. The problem is that I live in an environment where I can barely focus: there is a lot of noise, constant interruptions, and when I go to the librar”

“Why is public transportation 500 dollars? I think its perfectly fine to go out and live on your own when you can afford it but I dont understand the point of adding that much commute time and cost to your life.”

“I don't think you're financially in a situation where you can just quit and figure things out. I think you need to do that while you still have income. As far as what that is? That's mostly a personal journey. I wouldn't put much stock in the notion that AI is going to rapidly eliminate specific jobs. Slowly change them into something else, sure, but that happens all the time.”

“Posting self talk is very helpful, a lot of times we wouldn’t talk to our worst enemy the way we talk to ourselves in our heads! Becoming aware of it is the first step, It helps!”

“A while ago, I saw that there is a vacancy for a youth librarian at my local library. I work as an illustrator (including for children's books), but I earn a bit too little to make ends meet. I have two children, the second of whom is still in my belly. With my first child, we didn't send her to daycare until she was one year old; I would like to do that again with this second one because that is what makes me feel best. The timing to apply for this part-time job (2.5 days) is therefore”

“Hello, I am a young adult that is trying to save for college to ease my parents financial burden, yet my parents do not want me to work and instead focus in school. I still want to be able to help a bit. Any advice or ideas on how I can get some sort of income? I have been selling stuff on websites like vinted but I’m looking for something a bit more steady. I have also started to learn a bit about the stock market. I have a few skills like video editing, writing, speaking English and Portuguese”

“It probably is a feature of being attached to a loan given by a predatory company that does business with people who don't have great finances. Same with the biweekly pay thing - I feel like that usually only becomes part of a payment plan for risky borrowers with subprime credit. These are really examples of what's meant when people say it's expensive to be poor.”

I lived in LA and had a 2br for 2k…

Gutter cleaning

“I'm 21 years old from Mumbai. My family currently lives in a one-room home in a slum where four of us live together. The rent is around ₹10,000/month. My father has been a taxi driver for many years but has never been able to save much. He now has a neurological condition and needs medication every day. My mother is a homemaker and also has respiratory issues that require treatment. My younger brother finished 12th last year and is learning video editing. He runs an Instagram page with aroun”