Here in Brazil, if you come from the middle class, it’s almost impossible to buy a house or a car. It frustrates me, but at the same time, it’s the best option. At least by working, I can save some money.
I think this is basically how it is everywhere now. I’m in Europe (not Western Europe though) and it’s almost impossible to find a job and buy a house nowadays. I have a job but it pays under poverty wage while my mom makes decent money, so I still live with her.
It's funny, because every comment under yours claims they moved out when they were 18, and had no trouble buying a house/renting. Hard to tell who's telling the truth, and who's not.
The real reality is that they either had help from their parents, joined the military, got engaged, or roommates with friends. If not for any of those reasons, and I doubt they'd be living away from home. Anyone in this thread who said they live alone, is under one of those umbrellas, or just lying.
There was another post I saw on a different sub titled “how old were you when you moved out from your parents” and literally every single top comment was saying crap like 16-18. Virtually impossible unless 80% were all from the same older generation where rent costed as much as today’s phone bill. Also doesn’t account for any aid from college/parents.
Well yeah, I never wanted to make it seem like moving out at 18 is impossible, it's just very, very difficult. Within the last 5 years alone, prices have skyrocketed, and it's become astronomically more difficult to do so.
Maybe the people commenting in that thread moved out during the 2010s, those years weren't as bad as they are now, not by a long shot. You never know, but really I'm here because I know there's people in this thread alone who are absolutely bullshitting the commentary, and I hate to see that.
or sometimes people just take risks and leave the house at 18 and sometimes it works out for them sometimes they end up right back at their parents later on. I dont understand where the disbelief comes from when getting a job at 16 and saving 90% of your paycheck for 3-4 years can get you enough to get an apartment. Yes its impressive and yes, they 100% had assistance and support but it’s not impossible.. you should read the book “Who Moved My Cheese” by Spencer Johnson. It’s basically a story about how being comfortable isn’t always a good thing and staying in one place while someone or something is moving your “cheese” (money, jobs, ambitions, local businesses) you’ll end up in a desert with no cheese and the next best option is to jump ship and take a risk. For some people their cheese wasn’t anywhere near their parents so they felt the next best option for them is to move out at 18 and in some cases it works out because that’s their journey, not yours. Maybe it’s not them commenting their “unicorn” experiences that’s the issue, maybe its people like you who can’t seem to separate an individual from a statistic.
What you're saying here is redundant to what I said, same exact thing. If they moved out, they followed one of those paths I mentioned above. I'm not disagreeing with you there.
It's not even about me being in disbelief either, I think if someone can do that, then more power to them. But now more than ever in the last 25 years, it's surely the most difficult time to make a move like that.
Like I said as well, personally I don't know very many people who have moved out AT 18, maybe 3 people out of the thousands I've met in my entire life. So...you know, yeah, it IS a unicorn experience, but statistics don't lie either.
okay at least we both agree it’s possible unlike the other guy who implied they’re most likely lying because it’s impossible. I just don’t see the point in assuming that they’re lying solely because of statistics and anecdotal evidence, there’s always going to be outliers and unicorn success stories.
I did say that they were lying, at least SOME of them who claim that stuff. But yeah, nah I do agree with you here, it's possible, but just difficult all things considered. Much more so within the last 5 years alone.
I mean sometimes you really can just tell when it’s made up and they’re just trolling especially if you look at their comment history other than that hey much respect to their hard work honestly.
Even if you save 90% of you paychek during 2 years you will have problems with bills and food. What I understand it's tha some people have to move out to survive or because of mental health.
Yes, I agree. I have a good job, the salary is enough to help with the bills and I still have some left to invest. But if I lose this job, I’m in big trouble. I work with IT.
Just beware of all these people saying "no, I moved out when I was 18 and bought a house during the pandemic." Don't compare yourself to those who may or may not be telling the truth, the real reality is that millions of gen z do indeed still live at home. I can vouch for many people I personally know that do. And you know what, that's fine!
I'm not sure why people in this sub are trying to imply that this isn't the norm. It's not the 1980s, people in their 20s still live with their parents or in a shared-expenses housing situation. Even many of the flyover states have become unaffordable.
Gen Z's average salary of less than $50K USD and comparatively increasing COL is constantly reported.
"nah I moved out when I was 17 and got my own car" said the child who didn't need to pay rent or bills. triple rack their money because of not "helping" around the house and of course using the inheritance to finally move out and into a home.
majority of middle to low income kids always have to pay rent before even turing 18. like for me, my job was 16 an hour and had to pay 500 for rent plus 200 more for utilities. now I got my car and thats an extra 200. so I really dont have "extra stacks" to just throw in a bank for investments
You're absolutely right. People often omit the details about how much help they received or the specific circumstances behind their success. Thanks for sharing that link and for the kind words, I really needed to hear that today!
Fair! Yeah, who knows honestly. Like I said before, there's quite literally dozens of people I personally know, including myself, who are still living at home. It's a unicorn experience these days, to be able to move out AT 18, or hell, even at 21+!
Yeah I’m 30 still living at home finishing up grad school, however my family does not make money and I was never raised in a comfortably stable household especially financially so I didn’t have the best of influences and had to stop college several times. In this economy, it’s looking like 50 lmao
Yes, but not because I can’t afford to move out. No debt, and I’m saving a lot of money. I don’t hate my family.
I’d rather move out with my boyfriend when we’re both ready, so we can split costs and are able to save more than living independently. It can get pretty lonely living alone, so I don’t see the point for me if I’m just going to have dinner and visit my family every evening.
Brazillian here and single child. I don't see myself moving out anytime soon and probably i will only live ""on my own"" if i marry someone one day, which i also don't see happening anytime soon. It's very hard to think about buying a place or even a car when you still renting and can't afford even to take a drivers license lmao. I have a feeling others in other parts of the word are dealing with similar stuff these past decade.
Oh at least to me it makes me less likely to move out, bc the only family I'm really close with is my mom and I want to be with her and take care of her, you know? Also economically for us makes more sense too
My wife and I live with my brother. You need somewhat extraordinary circumstances to buy property while under 40 here in the US, my brother happened to have abnormally good circumstances, and my rent helps him pay the mortgage.
This is what my neighborhood looks like, I drive about 45 minutes to an hour each way to work, and there is fuck all for local jobs. It still isn't reasonable for someone under age 40 to buy a place to live in this area outside of fairly abnormal circumstances even if they are willing to tolerate a long commute.
Even with 2 incomes it would take a long enough time to save for a down payment that 35 to 40 is about the age for working class people to be first time home buyers now. A 900 square foot fixer upper (not safe to live in without work) an hour and a half from my work is still well over $100,000k. I know how to frame houses and could do the work to build or repair it myself, but even buying an empty plot of land would be too expensive for me to buy the materials unless there are fairly abnormal circumstances.
I lived with my parents for about that long, my student loans and needing to own a car to get to work kinda killed any chance of even that much being possible in a reasonable amount of time.
We get along well, although my brother and I don't see each other too much since he works nights and I work days. In general it has gone fairly well the rent is reasonable and I help him a bit with property maintenance. My wife and my brother seem to get along fairly well so that hasn't really been a major issue although she gets irritated by him also doing some of the same things that I do that irritate her.
Haha I do now. Moved back home this year after having my own place for 4 years. Much happier being home, not even counting saving 2k/month. It’s like a 10% pay raise to live in a better city close to my friends
Yes, it’s normal in my family to have multigenerational houses. I could move out if I really wanted to, but I’d be broke for quite a while. I don’t really mind living with my parents anyway, they need help around the house and I like their company.
I’m from the US. I am married and my wife and I live with my father.
It just makes more sense. If we were on our own we’d be struggling to keep the lights on. And by living with my father we’re able to help him pay the bills and provide him needed company. Works out for everyone
I’m 27 and bought a house at 21/22. Believe it or not I worked as a fast food shift manager, my now wife worked as a department manager for a grocery store. I made around $14/hr an my wife made about $18/hr. We worked 50+ hours a week and saved all the money we could. We were sharing an apartment with her brother as a roommate at that time so rent was only around $600 for each of us.
If it wasn’t for her getting pregnant and my sisters house hunting we never would’ve thought about doing it then. Our house value is up about $100K because of housing and the area we’re in being built up. Our third kid will be born in 2 months.
I now work customer support but it’s remote and benefits aren’t bad so the crap pay isn’t killing me and it’s still better than my previous pay.
So in other words, you were only able to do it because you roomed up with others. What happens when someone like OP doesn't have a wife, or even friends to roommate with? I think we both know the answer!
He never insinuated that people have to pull their bootstraps like he did? He was just telling his story. OP asked and he answered. No need to take offense to any story that shows success.
Also, people buy houses with the intent to rent rooms they don’t need out to strangers that they screen all the time.
No offense given. My point drives that the majority of people around our age will find it difficult to move out due to not being married, not having roommates/friends they can bunk with, and not wanting to join the military to do so. It's about being humble & fortunate, which it seems like they were, but some people in this thread clearly were not.
My sister bought the first house then but the house didn’t work out so they moved a little over a year ago. Her mortgage and interest rate is now double.
Yeah I got out of my parents as soon as possible. Literally lived in a hoarder home, didn’t have the luxury of staying at home and saving money. I bought my house with my wife 5 years ago.
Not for almost a decade at this point. I officially and legally moved out the day after my 18th birthday, but I hadn’t stayed with them in a while at that point.
lived with my parents up until i was 22 then left home for the military so there goes that. Just recently purchased a house too. If i never left though my parents would’ve still let me stay with them and tbh i probably would’ve because how expensive miami is
I don’t know why Gen z has such a problem with it. I moved out of my mother’s house at 17 then moved in with roommates at 19. Bought a house with my wife at 21 and closed in it not long after my 22nd birthday.
I see so many kids living at home but then I see them spend their money. When I was saving up for a house we put everything in savings and lived off very little while we had the split rent.
My problem was income and lifestyle. I grew up in an economically depressed area and hung out with a bad crowd. Smoking weed, working in warehouses, and blowing paychecks on it was like my main reason for not moving out sooner.
Lifestyle aside, even if I never smoked or hung out with my friends, I’d still be at home if my gf and I didn’t combine our incomes. We wouldn’t be able to afford living on our own. So I made things work. But when I was single? No chance. Incomes around here don’t reflect what cost of living was.
It’s hard, but it is harder if you don’t get your head in the game.
That’s always been common here in Brazil, like a lot of gen X’s lived with their parents until marriage and some never left to take care of them in their old age(It’s a win win for both)
(2000 here, living in Australia. I can’t seem to add a flair on mobile 😅) Yes, and probably will for the foreseeable future. Average house prices are 1mil here now, there’s no way on my income I can afford it, and now my mum has become disabled and I have no siblings, it’s easier to stay and care for her rather than trying to figure out how I can pay rent etc. It’s allowing me to save and start up a second business though, so I’m grateful in that regard. I just wish I could have more independence. I know a lot of people I went to school with moved out at 18 before COVID and they managed to do it successfully, the rest of us who spent COVID at home now can’t afford to move out, either financially or due to other factors.
Yes, USA. Unless I move out of the city there isn't much of a financial benefit to moving out of my parents' home. As is the case with most of the USA and apparently Brazil. Not just Gen Z more and more people are cohabitating because of increased unaffordability and or a sense of community.
Yep, because my fiances in the military and I make more money where I currently live, It'd be a 20k pay difference if I moved down by him, so we're saving up for our down payment while we can.
Eastern Europe. Even in the capital, where I was born and still live, it’s hard to get a decent job. There are many jobs that involve physical labor. If you want to earn a decent income, you have to work 60+ hours a week. To move out, you need to earn at least 1.5 times the average salary, and if you don’t want to live with roommates, it’s better to earn two average salaries.
Hi from US. Also impossible to buy a house (in a desirable location) on a middle class, maybe even upper middle class income, as a single person without generational wealth. My parents also happen to be abusive so I’m just 🤷🏻♀️ out here. Can’t complain too much since I can still afford food, at least 😭
Yup, I do pay rent but its significantly reduced, compared to the average, like i think the average rent where i live in 1800, and I'm paying a third of that
I lived alone from 19-24 but my parents let me move back in this year so I can finish my bachelors degree without having to pay for housing. I'm very thankful.
I grew up not even middle class, frankly we were barely working class. But I’ve been fortunate enough to get to live independently since I was about 21ish.
I first moved out with a friend and lived in a 4 bedroom apartment that had NO living space whatsoever. It was basically a hallway with four bedrooms, two bathrooms, and a kitchen at the end of the hallway. If I’m remembering right, I think the rent there was $870.
My friend and I only lived there for a year before looking for a 2 bedroom apartment for just the two of us. We found a place that was about $2200 so we paid around $1100 each.
Then COVID hit and I moved back in with my parents for a year or so. Eventually moved out again to live with a friend in a house her grandma owned, and she gave me a great deal so I could save some money, I paid $500 there.
And then the next year I started law school and moved into the on campus housing (which was just a one bedroom apartment). I spent $1270 all in there.
When I left the student housing, it was to move into a place for my boyfriend and I together. For the last 3 years we’ve rented a 2 bedroom for $2900 and I’m paying the most I ever have at $1450 but it’s also by far the nicest apartment I’ve had.
No. I am married, have a child, and we rent a home. I don't see anything wrong with living with parents though. I hope my son likes us enough to want to live with us when he is older if he needs
Yup... I went to college for a degree in communications and writing. Haven't gotten my career off the ground yet. I'm quite lucky to have support from my folks.
i’m 24, live in the USA, and still live with my parents. my full time job doesn’t pay much so if i did move out i would lose literally all of my life savings just paying for rent every month. at this point i dont feel the need to move out. i like my family and i like not paying rent. so why would i want to live alone and be miserable?
Yes most people in oahu live in multigenerational households. Rent and houses here are ridiculous here. I am very grateful to have a good relationship with mom that it works out well for us.
No, I moved out right after I turned 22 and now I live with my wife. We both came from abusive households so moving back in with our parents has never been an option for either of us
The older generations cant even wrap their minds around how hard it really is out there. I mived out when I was 19 (in late 2019) and I was renting a room in the house and saving for an apartment of my own but then covid happened and I was let go. I had to move back in woth my parents (who lived 30 hours away on the other side of the country). Its possible id be out on my own with my own place but its pretty rough out there. I tried explaining this to my mom yesterday and she just looks at me like im making up excuses
Southern USA here. I got kicked out a lot at 16 and decided to leave for real at 17. I moved back in for a short time period when I was 20 but moved out again. I'm now 25 with 3 children and I rent my own place with my husband while we save up for a house.
I am in north america. I moved out when I was 21, which was almost 5 years ago. I have lived on my own through college and after graduating a few years ago. I did work more than one job at one point while in school, but I have only one right now and I live relatively comfortably. I’m renting, though (don’t own a house yet).
US here I'm turning 27 on the 29th living with my mom 🤧😅. I'm disabled and been unemployed since March 🫤 it get harder to imagine I'll have a place of my own anytime soon. I came out to my parents like twice and they still don't full grasp they aren't really opposed just not using name and pronouns.
Moved out at 19, came back at 23, I've told the office and haven't been treated differently, most people know that it's stupid expensive out, and the concept of living by yourself is nuts.
I moved out of my parents house at 18 and into my uncles house for school. Then I rented a shitty trailer from my grandma 200 a month, then I had a shitty apartment that was 300 a month, then I lived in staff housing (uninsulated shed) at the outdoor center I worked at, then into my mother in laws house, then back into the shitty trailer when I got my job, and my husband and I just bought a house in January. It’s a very small house and it’s really old and in the middle of nowhere. I only was able to get it because I got a USDA home loan before Trump fucked all the shit up (no money down, don’t need good credit, just have to prove you can make payments) and being married probably also helps. I equate everything I have up to this point to me being lucky, so don’t use it as a comparison. Just sharing my journey.
I’m an only child and I definitely live at home. Moved out for two years, hit a wall, moved back. I’d love to have some independence but my area is so HCOL that it’s not possible while going to school
lmao no i live in an apartment by myself because my parents still think the american dream is attainable and i need to “pull myself up by my boot straps like they did” (they had trust funds and their first house was $75,000 lmao) so here i am in my apartment living paycheck to paycheck unable to save much money at all lmao
I still live with my parents. I’m almost done paying off my car and then I’m HOPING to look for an apartment, but I don’t know how I’m going to do that alone. I live in a city that’s pretty popular… meaning rent is high.
Moved out when I was 19, I still live in that same tiny apartment. I don‘t think I‘ll ever buy a house, but I like living in the city and being responsible for myself
I’m 27 in the US and I do. I’ve had to work retail because I haven’t been able to find another software development job and with what I’m making now I don’t think I could afford to get my own place
USA here, I live at home. I don’t make that good of money, but even if I did the taxes are going up significantly in the surrounding areas. My parents also are more traditional. Even my brother lived at home until he got married
no i don’t ! i live with my sister however. i pay rent. better for my mental health lol. i don’t have a car tho i take the train everywhere. i live in toronto
I love with my parents still. I do have a car loan for my own car and I’m the first of my sibling to purchase a car (middle kid here) but currently all of us are back with our parents. The only reason my younger brother doesn’t live full time with my parents is because he is at college but he will be back once he graduates.
No, I moved when I was 25 to an apartment. When I first moved out I had nearly 10k in savings. Now I've moved to a different apartment, have almost no savings and am living paycheck to paycheck.
I'm making things work. It sucks at times, but I wouldn't trade anything for the freedom I have. (USA)
I didn’t move out till 2 months before my wedding. My husband and I rented for about 3 years and recently bought a house. We were only able to do so because he got a new job with a high salary in a LCOL area.
Nope, moved out at 18 when I went to college and got my own place after I graduated at 22, my husband had graduated college the year prior and we live together now. Currently saving for a home but that’s 3-4 years away still since we are shooting for 20% down and we are in a higher cost of living area. We are both in tech so I don’t think we are the average, though.
Nope, I moved out when I was 20. My (then) boyfriend (now husband) and I moved into a 1bdrm apartment together. It was around $1500 and this was back innnn 2018?
Since then, my husband and I got married, had some kids, moved around a bit, and just finally closed on our first home last month for $430k at 6.25% interest with 20% down. We’re officially moving in right after new years and I’m so excited!!!!
I’m a director in healthcare (not clinical or patient facing) and my husband works in IT. We make just over 200k combined. I’ve been saving for like 10 years for a house so I’m very proud that I finally made it there.
Wonder how he was able to land a job in IT, most people I know are struggling right to find any work (myself included in the field). Guess you gotta know someone to get a job, as they say.
As ashamed as I am to admit, yes. We have a housing problem and lack of affordability in the US.
On top of that, I can't drive due to epilepsy. So the only places where I could comfortably live on my own without a car are even more expensive than the suburbs and apartments that are car-dependent.
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I think this is basically how it is everywhere now. I’m in Europe (not Western Europe though) and it’s almost impossible to find a job and buy a house nowadays. I have a job but it pays under poverty wage while my mom makes decent money, so I still live with her.
It's funny, because every comment under yours claims they moved out when they were 18, and had no trouble buying a house/renting. Hard to tell who's telling the truth, and who's not.
I think those comments are BS imo....
Maybe they are upper-middle class and have wealthy parents. Or they are laying...
The real reality is that they either had help from their parents, joined the military, got engaged, or roommates with friends. If not for any of those reasons, and I doubt they'd be living away from home. Anyone in this thread who said they live alone, is under one of those umbrellas, or just lying.
There was another post I saw on a different sub titled “how old were you when you moved out from your parents” and literally every single top comment was saying crap like 16-18. Virtually impossible unless 80% were all from the same older generation where rent costed as much as today’s phone bill. Also doesn’t account for any aid from college/parents.
Well yeah, I never wanted to make it seem like moving out at 18 is impossible, it's just very, very difficult. Within the last 5 years alone, prices have skyrocketed, and it's become astronomically more difficult to do so.
Maybe the people commenting in that thread moved out during the 2010s, those years weren't as bad as they are now, not by a long shot. You never know, but really I'm here because I know there's people in this thread alone who are absolutely bullshitting the commentary, and I hate to see that.
or sometimes people just take risks and leave the house at 18 and sometimes it works out for them sometimes they end up right back at their parents later on. I dont understand where the disbelief comes from when getting a job at 16 and saving 90% of your paycheck for 3-4 years can get you enough to get an apartment. Yes its impressive and yes, they 100% had assistance and support but it’s not impossible.. you should read the book “Who Moved My Cheese” by Spencer Johnson. It’s basically a story about how being comfortable isn’t always a good thing and staying in one place while someone or something is moving your “cheese” (money, jobs, ambitions, local businesses) you’ll end up in a desert with no cheese and the next best option is to jump ship and take a risk. For some people their cheese wasn’t anywhere near their parents so they felt the next best option for them is to move out at 18 and in some cases it works out because that’s their journey, not yours. Maybe it’s not them commenting their “unicorn” experiences that’s the issue, maybe its people like you who can’t seem to separate an individual from a statistic.
What you're saying here is redundant to what I said, same exact thing. If they moved out, they followed one of those paths I mentioned above. I'm not disagreeing with you there.
It's not even about me being in disbelief either, I think if someone can do that, then more power to them. But now more than ever in the last 25 years, it's surely the most difficult time to make a move like that.
Like I said as well, personally I don't know very many people who have moved out AT 18, maybe 3 people out of the thousands I've met in my entire life. So...you know, yeah, it IS a unicorn experience, but statistics don't lie either.
okay at least we both agree it’s possible unlike the other guy who implied they’re most likely lying because it’s impossible. I just don’t see the point in assuming that they’re lying solely because of statistics and anecdotal evidence, there’s always going to be outliers and unicorn success stories.
I did say that they were lying, at least SOME of them who claim that stuff. But yeah, nah I do agree with you here, it's possible, but just difficult all things considered. Much more so within the last 5 years alone.
I mean sometimes you really can just tell when it’s made up and they’re just trolling especially if you look at their comment history other than that hey much respect to their hard work honestly.
Even if you save 90% of you paychek during 2 years you will have problems with bills and food. What I understand it's tha some people have to move out to survive or because of mental health.
Yes, I agree. I have a good job, the salary is enough to help with the bills and I still have some left to invest. But if I lose this job, I’m in big trouble. I work with IT.
Yeah with us all piling our money together we can survive not really possible alone without working two jobs and essentially having no life.
Yea, I’m still living with parents and I’m 27, just trying to save as much money as possible.
Just beware of all these people saying "no, I moved out when I was 18 and bought a house during the pandemic." Don't compare yourself to those who may or may not be telling the truth, the real reality is that millions of gen z do indeed still live at home. I can vouch for many people I personally know that do. And you know what, that's fine!
I'm not sure why people in this sub are trying to imply that this isn't the norm. It's not the 1980s, people in their 20s still live with their parents or in a shared-expenses housing situation. Even many of the flyover states have become unaffordable. Gen Z's average salary of less than $50K USD and comparatively increasing COL is constantly reported.
"nah I moved out when I was 17 and got my own car" said the child who didn't need to pay rent or bills. triple rack their money because of not "helping" around the house and of course using the inheritance to finally move out and into a home. majority of middle to low income kids always have to pay rent before even turing 18. like for me, my job was 16 an hour and had to pay 500 for rent plus 200 more for utilities. now I got my car and thats an extra 200. so I really dont have "extra stacks" to just throw in a bank for investments
You're absolutely right. People often omit the details about how much help they received or the specific circumstances behind their success. Thanks for sharing that link and for the kind words, I really needed to hear that today!
Plus they never said that the house was nice either it could be a shit box
Fair! Yeah, who knows honestly. Like I said before, there's quite literally dozens of people I personally know, including myself, who are still living at home. It's a unicorn experience these days, to be able to move out AT 18, or hell, even at 21+!
Yeah I’m 30 still living at home finishing up grad school, however my family does not make money and I was never raised in a comfortably stable household especially financially so I didn’t have the best of influences and had to stop college several times. In this economy, it’s looking like 50 lmao
Yes, but not because I can’t afford to move out. No debt, and I’m saving a lot of money. I don’t hate my family.
I’d rather move out with my boyfriend when we’re both ready, so we can split costs and are able to save more than living independently. It can get pretty lonely living alone, so I don’t see the point for me if I’m just going to have dinner and visit my family every evening.
Brazillian here and single child. I don't see myself moving out anytime soon and probably i will only live ""on my own"" if i marry someone one day, which i also don't see happening anytime soon. It's very hard to think about buying a place or even a car when you still renting and can't afford even to take a drivers license lmao. I have a feeling others in other parts of the word are dealing with similar stuff these past decade.
I totally agree. I'm an only child too
As a fellow only child.. I’m a little confused. What does being an only child have to do with this?
Oh at least to me it makes me less likely to move out, bc the only family I'm really close with is my mom and I want to be with her and take care of her, you know? Also economically for us makes more sense too
I suppose I can see having a sibling be a roommate, as opposed to finding a random person would make the process of moving easier
My wife and I live with my brother. You need somewhat extraordinary circumstances to buy property while under 40 here in the US, my brother happened to have abnormally good circumstances, and my rent helps him pay the mortgage.
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This is what my neighborhood looks like, I drive about 45 minutes to an hour each way to work, and there is fuck all for local jobs. It still isn't reasonable for someone under age 40 to buy a place to live in this area outside of fairly abnormal circumstances even if they are willing to tolerate a long commute.
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Even with 2 incomes it would take a long enough time to save for a down payment that 35 to 40 is about the age for working class people to be first time home buyers now. A 900 square foot fixer upper (not safe to live in without work) an hour and a half from my work is still well over $100,000k. I know how to frame houses and could do the work to build or repair it myself, but even buying an empty plot of land would be too expensive for me to buy the materials unless there are fairly abnormal circumstances.
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I lived with my parents for about that long, my student loans and needing to own a car to get to work kinda killed any chance of even that much being possible in a reasonable amount of time.
Dumb question: how it feels like living with your brother? How is the relation between your wife and your beother?
We get along well, although my brother and I don't see each other too much since he works nights and I work days. In general it has gone fairly well the rent is reasonable and I help him a bit with property maintenance. My wife and my brother seem to get along fairly well so that hasn't really been a major issue although she gets irritated by him also doing some of the same things that I do that irritate her.
Haha I do now. Moved back home this year after having my own place for 4 years. Much happier being home, not even counting saving 2k/month. It’s like a 10% pay raise to live in a better city close to my friends
Yes, it’s normal in my family to have multigenerational houses. I could move out if I really wanted to, but I’d be broke for quite a while. I don’t really mind living with my parents anyway, they need help around the house and I like their company.
I’m from the US. I am married and my wife and I live with my father.
It just makes more sense. If we were on our own we’d be struggling to keep the lights on. And by living with my father we’re able to help him pay the bills and provide him needed company. Works out for everyone
I wish lol. I would move back in a heartbeat if they had room.
No. I moved out at 18 and bought a house a year ago. (USA)
what do you do for work?? that’s hella impressive!
I’m 27 and bought a house at 21/22. Believe it or not I worked as a fast food shift manager, my now wife worked as a department manager for a grocery store. I made around $14/hr an my wife made about $18/hr. We worked 50+ hours a week and saved all the money we could. We were sharing an apartment with her brother as a roommate at that time so rent was only around $600 for each of us.
If it wasn’t for her getting pregnant and my sisters house hunting we never would’ve thought about doing it then. Our house value is up about $100K because of housing and the area we’re in being built up. Our third kid will be born in 2 months.
I now work customer support but it’s remote and benefits aren’t bad so the crap pay isn’t killing me and it’s still better than my previous pay.
So in other words, you were only able to do it because you roomed up with others. What happens when someone like OP doesn't have a wife, or even friends to roommate with? I think we both know the answer!
He never insinuated that people have to pull their bootstraps like he did? He was just telling his story. OP asked and he answered. No need to take offense to any story that shows success.
Also, people buy houses with the intent to rent rooms they don’t need out to strangers that they screen all the time.
No offense given. My point drives that the majority of people around our age will find it difficult to move out due to not being married, not having roommates/friends they can bunk with, and not wanting to join the military to do so. It's about being humble & fortunate, which it seems like they were, but some people in this thread clearly were not.
Yeah, I wish I bought around that time. My mortgage is more than double what it would have been back then.
My sister bought the first house then but the house didn’t work out so they moved a little over a year ago. Her mortgage and interest rate is now double.
I've worked in quality/ sustainability roles since I graduated college.
I've always been very frugal and started working/ saving at 16.
Yeah I got out of my parents as soon as possible. Literally lived in a hoarder home, didn’t have the luxury of staying at home and saving money. I bought my house with my wife 5 years ago.
No, but only because the job I got is in a different state. If I worked closer, I would’ve stayed with them to save money
Not for almost a decade at this point. I officially and legally moved out the day after my 18th birthday, but I hadn’t stayed with them in a while at that point.
lived with my parents up until i was 22 then left home for the military so there goes that. Just recently purchased a house too. If i never left though my parents would’ve still let me stay with them and tbh i probably would’ve because how expensive miami is
Yes and I’m 28. My goal is to move out at 30 close to a city.
No I moved out a few years ago. I was able to save up.
I don’t know why Gen z has such a problem with it. I moved out of my mother’s house at 17 then moved in with roommates at 19. Bought a house with my wife at 21 and closed in it not long after my 22nd birthday.
I see so many kids living at home but then I see them spend their money. When I was saving up for a house we put everything in savings and lived off very little while we had the split rent.
My problem was income and lifestyle. I grew up in an economically depressed area and hung out with a bad crowd. Smoking weed, working in warehouses, and blowing paychecks on it was like my main reason for not moving out sooner.
Lifestyle aside, even if I never smoked or hung out with my friends, I’d still be at home if my gf and I didn’t combine our incomes. We wouldn’t be able to afford living on our own. So I made things work. But when I was single? No chance. Incomes around here don’t reflect what cost of living was.
It’s hard, but it is harder if you don’t get your head in the game.
The amount of people I see complaining about money then constantly buying weed is too high.
That’s always been common here in Brazil, like a lot of gen X’s lived with their parents until marriage and some never left to take care of them in their old age(It’s a win win for both)
(2000 here, living in Australia. I can’t seem to add a flair on mobile 😅) Yes, and probably will for the foreseeable future. Average house prices are 1mil here now, there’s no way on my income I can afford it, and now my mum has become disabled and I have no siblings, it’s easier to stay and care for her rather than trying to figure out how I can pay rent etc. It’s allowing me to save and start up a second business though, so I’m grateful in that regard. I just wish I could have more independence. I know a lot of people I went to school with moved out at 18 before COVID and they managed to do it successfully, the rest of us who spent COVID at home now can’t afford to move out, either financially or due to other factors.
Yes, USA. Unless I move out of the city there isn't much of a financial benefit to moving out of my parents' home. As is the case with most of the USA and apparently Brazil. Not just Gen Z more and more people are cohabitating because of increased unaffordability and or a sense of community.
Nope, I moved out at 18, went to college and now live alone. I am 25 now and live about 2000 miles from my family
You're American, I suppose?
Yeah
Yes.
No. However I came close to wanting to move back in, but decided against it.
No
Nope, moved out at 22
No, my sister and i share an apartment now
By the time I move out, I think I might share an apartment with my twin brother.
I do not, however if I could I would be but my work is too far away to practically live there
Yeah, I still live with my mama.
Yep, because my fiances in the military and I make more money where I currently live, It'd be a 20k pay difference if I moved down by him, so we're saving up for our down payment while we can.
At the moment, might get a new job in the next month though and move
American. I moved out when I turn 21, first corporate job
As of now. Not how I envisioned my life to go.
no it was not a safe environment, i left when i was 21
Eastern Europe. Even in the capital, where I was born and still live, it’s hard to get a decent job. There are many jobs that involve physical labor. If you want to earn a decent income, you have to work 60+ hours a week. To move out, you need to earn at least 1.5 times the average salary, and if you don’t want to live with roommates, it’s better to earn two average salaries.
Hi from US. Also impossible to buy a house (in a desirable location) on a middle class, maybe even upper middle class income, as a single person without generational wealth. My parents also happen to be abusive so I’m just 🤷🏻♀️ out here. Can’t complain too much since I can still afford food, at least 😭
Yup, I do pay rent but its significantly reduced, compared to the average, like i think the average rent where i live in 1800, and I'm paying a third of that
I live with mom, my brother lives with dad.
I lived alone from 19-24 but my parents let me move back in this year so I can finish my bachelors degree without having to pay for housing. I'm very thankful.
Yes, of course. I'd be broke in the first day if I went out on my own.
(Canada lower class)
I grew up not even middle class, frankly we were barely working class. But I’ve been fortunate enough to get to live independently since I was about 21ish.
I first moved out with a friend and lived in a 4 bedroom apartment that had NO living space whatsoever. It was basically a hallway with four bedrooms, two bathrooms, and a kitchen at the end of the hallway. If I’m remembering right, I think the rent there was $870.
My friend and I only lived there for a year before looking for a 2 bedroom apartment for just the two of us. We found a place that was about $2200 so we paid around $1100 each.
Then COVID hit and I moved back in with my parents for a year or so. Eventually moved out again to live with a friend in a house her grandma owned, and she gave me a great deal so I could save some money, I paid $500 there.
And then the next year I started law school and moved into the on campus housing (which was just a one bedroom apartment). I spent $1270 all in there.
When I left the student housing, it was to move into a place for my boyfriend and I together. For the last 3 years we’ve rented a 2 bedroom for $2900 and I’m paying the most I ever have at $1450 but it’s also by far the nicest apartment I’ve had.
I live in Toronto, Canada for context :)
27 and yes, but I left at 19 with a loser partner and just recently returned home, because ain’t no way to do it single solo now.
No. I am married, have a child, and we rent a home. I don't see anything wrong with living with parents though. I hope my son likes us enough to want to live with us when he is older if he needs
Yup... I went to college for a degree in communications and writing. Haven't gotten my career off the ground yet. I'm quite lucky to have support from my folks.
i’m 24, live in the USA, and still live with my parents. my full time job doesn’t pay much so if i did move out i would lose literally all of my life savings just paying for rent every month. at this point i dont feel the need to move out. i like my family and i like not paying rent. so why would i want to live alone and be miserable?
Yes most people in oahu live in multigenerational households. Rent and houses here are ridiculous here. I am very grateful to have a good relationship with mom that it works out well for us.
I do, but in all actuality I feel like this is where the United States is headed
No, I moved out right after I turned 22 and now I live with my wife. We both came from abusive households so moving back in with our parents has never been an option for either of us
Yes. If I don’t my mother loses her house. She can’t afford it on her own after getting laid off and forced to get a lower paying job.
The older generations cant even wrap their minds around how hard it really is out there. I mived out when I was 19 (in late 2019) and I was renting a room in the house and saving for an apartment of my own but then covid happened and I was let go. I had to move back in woth my parents (who lived 30 hours away on the other side of the country). Its possible id be out on my own with my own place but its pretty rough out there. I tried explaining this to my mom yesterday and she just looks at me like im making up excuses
I didn’t have a choice, my parents kicked me out when I was 17.
Southern USA here. I got kicked out a lot at 16 and decided to leave for real at 17. I moved back in for a short time period when I was 20 but moved out again. I'm now 25 with 3 children and I rent my own place with my husband while we save up for a house.
No.
Brazilian too. 28 living with my parents still
Haven’t since I was 17 but that was less of a choice lol
I am in north america. I moved out when I was 21, which was almost 5 years ago. I have lived on my own through college and after graduating a few years ago. I did work more than one job at one point while in school, but I have only one right now and I live relatively comfortably. I’m renting, though (don’t own a house yet).
Yeah, I still live with my mum.
No
US here I'm turning 27 on the 29th living with my mom 🤧😅. I'm disabled and been unemployed since March 🫤 it get harder to imagine I'll have a place of my own anytime soon. I came out to my parents like twice and they still don't full grasp they aren't really opposed just not using name and pronouns.
I am 24, and still at home.
Moved out at 19, came back at 23, I've told the office and haven't been treated differently, most people know that it's stupid expensive out, and the concept of living by yourself is nuts.
I do
Kinda, I live on my great grandparents property with my husband and 2 kids. We pay rent but it’s much lower than what we’d pay somewhere else
I moved out of my parents house at 18 and into my uncles house for school. Then I rented a shitty trailer from my grandma 200 a month, then I had a shitty apartment that was 300 a month, then I lived in staff housing (uninsulated shed) at the outdoor center I worked at, then into my mother in laws house, then back into the shitty trailer when I got my job, and my husband and I just bought a house in January. It’s a very small house and it’s really old and in the middle of nowhere. I only was able to get it because I got a USDA home loan before Trump fucked all the shit up (no money down, don’t need good credit, just have to prove you can make payments) and being married probably also helps. I equate everything I have up to this point to me being lucky, so don’t use it as a comparison. Just sharing my journey.
I’m an only child and I definitely live at home. Moved out for two years, hit a wall, moved back. I’d love to have some independence but my area is so HCOL that it’s not possible while going to school
yes but i also stay at my boyfriends house a lot who also lives with his parents
lmao no i live in an apartment by myself because my parents still think the american dream is attainable and i need to “pull myself up by my boot straps like they did” (they had trust funds and their first house was $75,000 lmao) so here i am in my apartment living paycheck to paycheck unable to save much money at all lmao
I still live with my parents. I’m almost done paying off my car and then I’m HOPING to look for an apartment, but I don’t know how I’m going to do that alone. I live in a city that’s pretty popular… meaning rent is high.
I think a lot of us probably do if we can. It’s just not really economically viable to try and get your own place right now. At least not by yourself.
I enlisted in the army and lived on base at 17.
Moved back in with parents at 20.
Moved out and got an apartment at 22.
Moved out when I was 19, I still live in that same tiny apartment. I don‘t think I‘ll ever buy a house, but I like living in the city and being responsible for myself
Yes, atleast partially and it's seemingly going to stay that way for awhile yet. Which I have mixed feelings about but oh well.
I’m 27 in the US and I do. I’ve had to work retail because I haven’t been able to find another software development job and with what I’m making now I don’t think I could afford to get my own place
USA here, I live at home. I don’t make that good of money, but even if I did the taxes are going up significantly in the surrounding areas. My parents also are more traditional. Even my brother lived at home until he got married
Yea and most folks ik irl that have moved out live with roommates
No, I haven’t lived with my parents since I moved out at 18 to go to college.
No, I live with my wife and son in our own house. We live in the US. We are upper middle class.
Unfortunately yes. It sucks but it also helps me save a lot of money. I really want to move out but it's hard.
no i don’t ! i live with my sister however. i pay rent. better for my mental health lol. i don’t have a car tho i take the train everywhere. i live in toronto
I love with my parents still. I do have a car loan for my own car and I’m the first of my sibling to purchase a car (middle kid here) but currently all of us are back with our parents. The only reason my younger brother doesn’t live full time with my parents is because he is at college but he will be back once he graduates.
No, but only because I go to school in a different city
No, I moved when I was 25 to an apartment. When I first moved out I had nearly 10k in savings. Now I've moved to a different apartment, have almost no savings and am living paycheck to paycheck.
I'm making things work. It sucks at times, but I wouldn't trade anything for the freedom I have. (USA)
No, I moved out this year.
Just purchased a condo in August
Everyone saying no is being downvoted Lol
I didn’t move out till 2 months before my wedding. My husband and I rented for about 3 years and recently bought a house. We were only able to do so because he got a new job with a high salary in a LCOL area.
Nope, moved out at 18 when I went to college and got my own place after I graduated at 22, my husband had graduated college the year prior and we live together now. Currently saving for a home but that’s 3-4 years away still since we are shooting for 20% down and we are in a higher cost of living area. We are both in tech so I don’t think we are the average, though.
Nope, I moved out when I was 20. My (then) boyfriend (now husband) and I moved into a 1bdrm apartment together. It was around $1500 and this was back innnn 2018?
Since then, my husband and I got married, had some kids, moved around a bit, and just finally closed on our first home last month for $430k at 6.25% interest with 20% down. We’re officially moving in right after new years and I’m so excited!!!!
Genuinely curious, what do you and your husband do for work?
I’m a director in healthcare (not clinical or patient facing) and my husband works in IT. We make just over 200k combined. I’ve been saving for like 10 years for a house so I’m very proud that I finally made it there.
Wonder how he was able to land a job in IT, most people I know are struggling right to find any work (myself included in the field). Guess you gotta know someone to get a job, as they say.
As ashamed as I am to admit, yes. We have a housing problem and lack of affordability in the US.
On top of that, I can't drive due to epilepsy. So the only places where I could comfortably live on my own without a car are even more expensive than the suburbs and apartments that are car-dependent.
No, moved out at 22 after graduating college and getting a job. USA
No moved out at 17. Plan to buy a house as a 30th bday present. i just been stacking and having fun