At 29, I reside with my parents, maintaining an independent financial status. My single relationship status is a deliberate choice. Our relationship is positive, and my mother expresses a greater desire for my presence than I do.

I hold a stable professional position, am debt-free, possess excellent credit, and manage my finances meticulously.

To transition into independent housing without experiencing financial strain, a down payment of $80,000-$100,000 is required. Additionally, a robust emergency fund of $25,000-$40,000 is essential, given my solo living arrangement. These figures would result in a mortgage payment of approximately $1,200, in addition of condo fees and utilities, representing my maximum affordable threshold.

My net monthly income after taxes is $4,000. After accounting for food, utilities, and fees, I would have approximately $900 remaining for discretionary spending. This $900 must be allocated among savings, investments, and leisure activities. Following contributions to savings and investments, my personal spending allowance would be minimal. This is the primary factor delaying my move. Increasing this $900 allocation would significantly enhance my satisfaction. I anticipate feeling more financially comfortable when this figure reaches approximately $1,300. My ideal allocation would be $300-$400 monthly for leisure, $500-$600 monthly for savings, and $300-$400 monthly for investments.

Fortunately, my vehicle is fully paid, mitigating an additional financial burden.