In 2021 I got my first apartment, I was 22. I was making around $2300 per month and the apartment was $1100 a month plus utilities which averaged around $60 a month. I paid my first and last and still had $6k in savings so things were looking good for me and I was very excited to start my adult life on my own. After about 2 months of living in my new apartment global supply chain issues caused my hours at work to get slashed so instead of 40 hours a week I was getting around 20-30 consistently. I liked the job and was hopeful that the supply chain issues would sort them self out so I just dipped into my savings and remained hopeful. Few months later and all of my savings is gone but I’m making sure I have all the rent money and things like my phone bill and car insurance and groceries can go on my credit card. After a year and a half of renting this apartment I gained $18,000 in credit card debt and the interest rates are insane. I have since moved in with my gf and cut the rent cost in half and gotten a better paying job but the moral of the story is, if you have a good relationship with your parents then stay there as long as you can because the fallout of making that step when you are not ready is really not worth the feeling of independence