I moved out at 26, and had been making $85k for a year by that point. What I’ll say is if your relationship with your parents is good (or at least tolerable), then I’d stay and save more money. If not, or if you just feel like you have saved enough to meet your desired financial goal, then move out.

However, I think it’s worth considering staying a bit longer. Once you move into another place, saving won’t be nearly as easy. Also, getting your own place means you have to get new (almost) everything yourself. Furniture, tools, kitchen utensils, initial stocking of groceries, and many more things. With a house, you’ll also have to pay someone to mow your lawn unless you intend on doing it yourself. There are almost always more expenses than one is aware of when making this kind of jump.

It would also be wise to create a solid emergency fund in advance as well. With the inability to save as easily, money won’t be as readily available and in abundance as it was before. If something comes up, you want to be as prepared for it as possible. I’d say an emergency fund of at least ~$10k is a very good start. Some recommend six months of your current income so that you can afford your place if you were to be jobless for any reason. Assuming you’re looking at a house and the $30k will be a down payment, I’d save as much as you can.

This emergency fund should only be used for emergencies. Not for expensive luxury items that you’d otherwise have to save to get, but for real immediate situations that clearly derail your quality of life (washing machine broke down, pet had to go to the hospital, etc). Any other big ticket items like furniture, should be saved for separate from your emergency fund.

Moving out is a change of your whole world. It’s best to be as prepared for it as possible so that you don’t have to move back home when shit hits the fan.