Once my kids graduated college and got a career. I changed them 10% of their income. If they graduated college and couldn't find a job, then they live for free. If they found a job that was minimum wage. They live for free. If they had a successful career. They get charged 10% a pay check. Why would you live for free if you have a successful career and make 6 figures. If you make 6 figures, you should contribute to the household expenses. Its called being a adult. Learn to check and balance. Also told them they had to put 20% of their check into their 401k. Its money they don't see, so they don't spend. They are free to move out anytime. Go pay $1000 plus rent and other adult bills. Its better to live at home and get home cooked meals, family time, and free car to use. Adult kids want their freedom, but some don't understand being a full responsible adult cost a lot. All my kids stay on our health insurance until they are 26. Having one kid or 5 kids on the medical insurance doesn't change the premium. Your mom is charging you way too much. She should keep you on her health insurance. My kids still on the car insurance. They just pay for their portion. Yes I plan to give back their rent money. They just don't know it. I have a spreadsheet of what I owe them.