27 yrs old, dating and living at home

I would never date a 27 year old "girl" who lived with her parents. This is either for booty or a serious relationship. It's just a huge turn off - you aren't able to even rent your own apt? plz.

anachronistic wrote:

Medical Student Answer wrote:Someday you'll be thankful that young people like us are willing to sacrifice in our early 20s so that we can be productive citizens who'll be able to contribute to Medicare and Social Security while you continue to bleed us dry.

You and people like you are bleeding me dry with having to finance your upkeep and maintenance via federally funded health care, unemployment benefits, student loans and other forms of social welfare. I'm looking forward to recouping at least a small percentage of my accrued losses through milking Medicare and Social Security when the time comes. And I'm going to relish every justly owed cent of it!

I know you're trying to point out the flaws in his logic, but you will be glad he's a doctor paying into SS and Medicare, just as he should be grateful you are paying into social programs that keep him afloat.

We're all in this together. The people who really screwed it all up are the people who take advantage of economy of scale, put small businesses out of business and pay their workers as little as possible. That's right. Walmart. And those like them.

On the other hand... wrote:

You can't expect someone to take you seriously in a relationship if you're still living under your parent's roof at the age of 27. Unless there are extenuating circumstances, I strongly encourage you to begin to create your own life. How can someone expect to see any potential future with you if you can't care for yourself?

And believe me, it's not a "win-win" in your situation. Your parents don't want you there. They love you and want to help you out, but after raising kids, parents want to be free of the burden.[/quote]

One of my relatives lived at home during medical school to save on rent and also to help out in family business. Was this person a loser?

Isn't moving at out 18 mostly an American thing? I've heard in a lot of other cultures, especially east Asian, they live with their parents until they get married. I'm guessing most of the people calling the OP a loser are 40+ and have no idea what the world is like for young people. It's hard to live on your own when you only have an entry level job and are paying 700+ a month on student loans. Assuming they can get a decent job right out of college with the current job market. For a lot of people in their 20s after college, it's either be extremely poor or save a lot of money and live comfortably with your parents. It'd be silly to pick the former if you had a choice.

nachronistic wrote:

Medical Student Answer wrote:Someday you'll be thankful that young people like us are willing to sacrifice in our early 20s so that we can be productive citizens who'll be able to contribute to Medicare and Social Security while you continue to bleed us dry.

You and people like you are bleeding me dry with having to finance your upkeep and maintenance via federally funded health care, unemployment benefits, student loans and other forms of social welfare. I'm looking forward to recouping at least a small percentage of my accrued losses through milking Medicare and Social Security when the time comes. And I'm going to relish every justly owed cent of it![/quote]

Wtf you talking bout dog? He's not getting any help from you; he's living on loans that he will pay back. No free ride here.

And fyi, almost everybody gets federal loans for education. And what about folks that go to private schools? Less federal funding there.

I'm willing to guess that your mother also breast-fed you until well into your toddler years.

I did this for a couple years after living in an expensive city and it was great reprieve. I saved a boatload of money, paid off all my debt (car, student loans), and lived comfortably. My roommates that stayed in the city (2 of whom I know were making less than me) are continuing to mull through annual rent hikes for the honor of living in decrepit living spaces, no closer to financial stability than the day they graduated.

If the living situation at home is bearable, do it for a year or two and find a girl that appreciates a man who actually gives a damn enough about his financial future and is willing to make difficult decisions to make it happen.

Medical Student,

You gave thoughtful replies and you seem to be a very good person. I don't know if I should say something that will likely get this thread deleted. I see why when people start these things they never come out say this. Posters like you and some others jump in the thread with considerate and helpful ideas. Then the one who starts the thread feels a bit guilty.

I do think this is a topic that rings true for many, just not for me. End of thread.

Medical Student: Living at your parents' home while in school or shortly after school? Totally fine, completely understandable, no one would bat an eye at that.

OP: Living at home at 27 just to save money? It's pathetic. Sorry to say that so bluntly but it really is.

I'd definitely never want to date a guy who lives with his parents at 27. That's ridiculous. I live on my own, have my apartment (sure, I have a roommate), pay my own loans, fend for myself. I would look down on a guy who couldn't do the same.

You can justify it however you'd like but with what you've described? it's pathetic.

Compared to most other countries I would say Americans don't give a rats as$ about family. We are all about the individual. Generally we don't believe in taking care of each other. I was on my own financially by the end of high school and it was hard as $hit. Baloney sandwiches, no TV, curbside furniture, roommates, sleeping in my car or a tent when traveling. And I managed to get through grad and medical school with about $12k in debt all told. If my parents were able to take me, you better believe I would have stayed home from school, except for the fact that I think I would've had a harder time getting laid. But whatever and I have no problem paying my share to help others get the loans and financial support I got from the US govt.I'm tough on my kids and expect them to make good decisions, but sometimes living on your own and going into debt just doesn't make sense.

TAA wrote:

Isn't moving at out 18 mostly an American thing? I've heard in a lot of other cultures, especially east Asian, they live with their parents until they get married. I'm guessing most of the people calling the OP a loser are 40+ and have no idea what the world is like for young people. It's hard to live on your own when you only have an entry level job and are paying 700+ a month on student loans. Assuming they can get a decent job right out of college with the current job market. For a lot of people in their 20s after college, it's either be extremely poor or save a lot of money and live comfortably with your parents. It'd be silly to pick the former if you had a choice.

doo doo wrote:

Obviously the med student guy is in med school, so of course he can't provide for himself yet.

Why not? If he could get a student loan, which I imagine he could since loaning med students money is a good investment, he could provide himself an apartment, utilities and food. He'd be earning that loan from his own potential, since he has proven that he is very likely to have a large salary in the future.

I'm not much older than the OP, but I fail to see how living at home at 27 is a good financial decision for an adult with a job. He's going to be ruined financially in short order at any age with any salary if he can't manage his own budget. IMO, living at home is simply delaying those valuable lessons on how to fend for one's self. I think it's better to learn to save and live inexpensively at 25 rather than 35.

TAA wrote:

Isn't moving at out 18 mostly an American thing? I've heard in a lot of other cultures, especially east Asian, they live with their parents until they get married. I'm guessing most of the people calling the OP a loser are 40+ and have no idea what the world is like for young people. It's hard to live on your own when you only have an entry level job and are paying 700+ a month on student loans. Assuming they can get a decent job right out of college with the current job market. For a lot of people in their 20s after college, it's either be extremely poor or save a lot of money and live comfortably with your parents. It'd be silly to pick the former if you had a choice.

Bull. Complete bull. I'm in my late 20s, NOT 40+. Sure, the economy is tough but there ARE opportunities out there. We're not all victims here.

As for the East Asian 'staying with your parents' thing, I'll just say that from my experience, in cultures where the man stays with his parents for a long time NEVER learns to be a man and stand on his own, treat women with respect, or even view them as equals. They have the most juvenile ideas about sex as well.

what are you babbling about? what exactly is the correlation between being an adult living with your parents and treating women disrespectfully or unequal? your experience is obviously personal, that's for sure.

ps.. if you have a roommate then you're not living on your own. you are in fact doing the same thing the OP is doing, that is, living with others to save money. why don't you grow up and get your own place? you're in your late 20's already. it's pathetic.

see how that works?

rich kid 5 wrote:

ps.. if you have a roommate then you're not living on your own. you are in fact doing the same thing the OP is doing, that is, living with others to save money. why don't you grow up and get your own place? you're in your late 20's already. it's pathetic.

see how that works?

Cute try. But if you think living with your parents is the same as having a roommate you're either the worst troll or a complete loser.

sure he can wrote:

Why not? If he could get a student loan, which I imagine he could since loaning med students money is a good investment, he could provide himself an apartment, utilities and food. He'd be earning that loan from his own potential, since he has proven that he is very likely to have a large salary in the future.

I'm not much older than the OP, but I fail to see how living at home at 27 is a good financial decision for an adult with a job. He's going to be ruined financially in short order at any age with any salary if he can't manage his own budget. IMO, living at home is simply delaying those valuable lessons on how to fend for one's self. I think it's better to learn to save and live inexpensively at 25 rather than 35.

The rate on Direct Unsubsidized Loans is 6.21% and the rate on Direct PLUS Loans is 7.21% which compound yearly. I will be $200,000 in debt after med school because I choose to live at home. If I didn't live at home it would be $300,000. My parents taught me the value of money and I'm not going to put myself further in the hole because I want to have a family and a home one day. Residency pays about $52,000/year which means I won't be even making a dent until I complete my residency which could be 3-10 years. By then my debt could balloon to $300,000 depending on how long my residency is and how frugally I live.

This thread is full of older adults who don't understand the financial realities young professionals face today. I don't believe OP mentioned if he had student loans, but if he does the interest rate is nearly double what the interest rate on a mortgage is. It would be idiotic for him not to pay off his student loans and live at home. People are chastising OP because he's being financially responsible. As long as he plans on moving out in the near future or when he has met his financial benchmarks there is nothing wrong with his behavior.

Calintine wrote:

Cute try. But if you think living with your parents is the same as having a roommate you're either the worst troll or a complete loser.

Before I moved home I lived with a bunch of people my age and older. Many people in their 20s aren't good roommates. They eat your food, bring home undesirables, don't pay rent/utilities on time, party and drink too much. A lot of people use their 20s now as an extension of their party years in college and don't want to grow up. Living with your parents is a safe bet in my opinion when compared to some people I lived with from ages 18-23.

Calintine: If you'd reject a guy purely on the fact he lived at home with all else constant, then you're shallow. That's equally as shallow as me rejecting a woman because her breasts weren't big enough.

right, that's what I thought.

there are a lot of good reasons to move out and get your own place, but that others might think you're a "loser" isn't one of them. grow up, kid.

You are in medical school so you get a pass on living at home. But YOU ARE DEAD WRONG about less opportunities caused by my generation.

I have never seen a generation like your that SPENDS so much. Your smart phones and plans are amazingly expensive. What you pay for cars through debt is staggering. We at your age had no shame in driving junkers. You start at an early age too. Prom costs are outrageous and weddings and prewedding trips and expenses are just stupid. Your generation spends so much on destiny vacations and they have so little money. The gifts you people give to one another are nuts. Entertainment systems and cable plans are more than you can afford.

You just spend too much. Its your culture.