Still getting help from mom and dad? Most Americans think young adults should be financially independent by 22—but only 24% are. (via CNBCMakeIt)
Still, if you want to strike out on your own, the obvious first step to any sort of financial independence is securing a full-time job. McBride says it's fine — even smart — to keep living with your parents when you start working, if you are able to and they don't object. That way, you can begin saving up for your eventual "launch.
As you're doing that, you can start working on your own finances. To move out on your own, you need enough money to cover first and last months' rent and a security deposit to secure your own apartment. Start researching housing in your area to get a sense of how much you can expect to spend each month.
"You'll need to cover all the start-up expenses, like buying furniture," adds McBride. "And you'll need emergency money for unplanned expenses, really for the first time in your life."in an emergency fund. But if that seems unrealistic, you'll have to make your own calculation: How much savings do you need to be comfortable in your new place, on your own? Consider your monthly bills, rent, insurance, grocery costs, etc.
"Another key ingredient of financial independence from your parents is to pay all of your own bills," says McBride. "You have to calibrate your expenses with your income."
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