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5 Reasons Why Moving Out Is A Financially Sound Decision

5 Reasons Why Moving Out Is A Financially Sound Decision
Jason Wuerch Jul 17, 2015
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You’ve just finished college or are having a rough time in your life. We’ve all been there, and sometimes it takes a while get ourselves back on our feet. So in order to make some financial headway, we decide to move back in with our parents.

While this can be an excellent decision for saving money and reconnecting with the ones you love, often it results in a place of comfort and lack of motivation, eventually forming into an endless cycle of continual rest. As humans, this can’t go on forever.

We all need a place that we can call home and fall back on whenever we need to, but in order to make something ourselves within the short amount of time that we have on this planet, you have to push & motivate yourself. Here are 5 reasons why moving out for me personally has been a financially sound decision.

1. Career

After moving back in, I thought I could take my time and look for work that appealed to me. I didn’t have any expenses, and in fact my parents were giving me a small stipend to help them fix their house that had recently flooded. While the amount wasn’t much, I was very appreciative to have some spending money.

Soon one month turned into two, then two into three, and so on. After six months, I realized that I wasn’t getting anywhere with my life or my desired career path. It took me a while to realize this, but after I did I took the first opportunity to book it out of there.

career-moving-outSince then I have been extremely focused on promoting this blog and working on other personal projects. Sure, money is tight, but I make it work. Continually living with my parents made me think deep down, “Why do I need to hurry finding a job when I can just relax here for the time being?” The problem with this is that you will find yourself almost too comfortable and continue to delay the job-searching process.

We only have one life to live, and we often daydream about that golden career that we’ll love. While living with your parents can be temporary, if you’ve been there too long you may be delaying what you truly love doing. It’s difficult to focus when you’re in another person’s space or when someone else is invading yours.

2. Happiness

This factor may be different for everyone. My parents are truly some great people and I love having them in my life, but living with them isn’t the lifestyle that I want to lead. When you live with your parents, you’ll always have the feeling that you should be somewhere else, doing something else, and it’s pretty easy to get down on yourself. In fact, if you’re there for a long enough time, you’ll most likely feel like a downright failure.

If this is the case, don’t buy into that mentality. Everyone has rough spots in their life and may need some time to regather. But the best part of all this is that it’s extremely fixable.

To me, happiness is about finding your values in life and pursuing them with all of your passion. I highly value friendships and family, relationships, my career and location. Living with my parents, I definitely wasn’t living in the ideal environment. My career was getting nowhere, and good luck bringing friends or even a girl over to hang out. It just wasn’t going to happen.

My financial stress has increased slightly since moving out, but this has perpetually propelled me forward to make more income. And I’m doing just fine. If you move out and are worried about money, be confident in yourself and your abilities and you will find a way, no matter what the cost.

3. Privacy

When living with your parents, you’re not given much privacy or much independence for that matter. You’ll always have to tell them where you’re going, what time you’ll be home, and the personal things that are going on in your life. I’m not trying to shut my parents out of my life, but I don’t need to be on their wake-and-call every moment of my life.

When you live away from home you’re calling all the shots. You can come home at whatever time you want without telling anyone a single thing. Want to come home and walk around naked without worrying about anyone seeing you? If you live with your parents, you aren’t granted this freedom.

Yet the most important piece out of all of this is respect for your own space. When living with your parents, sometimes they tend to forget that you’ve grown up, no matter how old you become. They might not realize that you’re an adult and need your own personal time.

4. Self-Respect

This one kind of ties into the three already mentioned above. By gaining that privacy and moving on with your life, you’ll definitely respect yourself a lot more. You’ll be pushing yourself to make the best of things and finding a life you truly love.

Think about it. If you live with your parents, that cushion behind you for when you fall is always a step away. When moving out and stepping out of this box, we break that cycle and realize that we don’t want to go back, thus forcing ourselves to work even harder so we don’t.

self-respectFor the first few months, helping my parents fix up their house and transitioning into the next stage of my life was actually quite enjoyable. I learned a lot of new things and still had time to see friends and pursue what I wanted. It’s just that when I continued this for a long time did I start to realize the hole I was digging.

While you don’t need to move out to gain self-respect, it just becomes an easier way to facilitate the process. You’ll realize you’re a strong person that can survive on their own, become more confident, and that you have the will and desire to make something out of your life. Never let this feeling go and keep growing.

5. Personal Growth

Personal growth comes when we’re faced with adversity and decide to overcome it. For many, that may include going into an uncomfortable spot. We’ve all been there, whether it’s been taking a new job, locating to a new city or starting a new relationship.

When you move out of your parents’ home, you’re faced with a whole new set of challenges. You have a landlord to deal with, you’ll have to make sure to make time for social interaction (unless you absolutely love talking to your parents), and you’ll need to deal with other societal pressures.

At home it’s easy to avoid the difficulties in life and just set back. Yes, it’s comfortable and it’s relaxing, but again, it’s not the ideal lifestyle you want to lead and it’s not getting you anywhere. Decide to make a choice by changing yourself and becoming a better person. If living at home is preventing you from doing that, then it may be best to consider moving to a new location.

Ever since moving out I’ve had much more motivation to study French, meet more people, volunteer and keep improving my resume. This has only lead to an increase in confidence and more self-respect for myself. You can’t go wrong with that.


Yes, moving out can be stressful. But you have to realize that saving money isn’t everything, especially when you’re sacrificing who you are as a person just to save some cash. Give yourself room to breath and grow as a person, and you’ll truly find happiness. Hopefully all you mothers & fathers out there reading this can understand that.

For those of you who feel like they are only growing and expanding their knowledge by living at home, I highly commend you and recommend you continue on your path. You’ll be sure to get to your desired destination. It’s just that for me it wasn’t working out, and my parents respect my decision and respect me for moving out.

If you have any questions or comments, or would just like to tell us your experience about living with your parents, please feel free to leave them in the comments below. Thanks for reading and happy frugaling!

Jason Wuerch

My name is Jason Wuerch and I'm currently located in Madrid, Spain running a personal finance blog called Frugal For Less. My goal is to help everyone and anyone willing to make and save money through easy and simple ways that don't require much effort. Just because you're frugal doesn't mean you have to give up life's luxuries.

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