You're a 35-Year-Old Man, Move Out Of Your Mom's House!

[Music] Brought to you by Chmm, a biblically based alternative to health insurance. Learn more at chmin ministries.org/budget. >> I live kind of in a multi-generational situation. Um, we have 5 acres. Um, and it's me, my sister, and parents. And I was wondering, I recently started a new job making about 1,400 a week. Um, currently no debt, anything. Cards paid off. Um, but in trying to figure out how to, um, I've had credit cards before, so didn't go well, so I don't use credit. Just trying to figure out where to go from here to get out on my own and just kind of start building to be able to retire by 55 if I wanted to. >> Okay. Well, let's let's um take the first step of moving out of your parents. I think that's a great first step. So, um, we would say that your rent or mortgage should be no more than 25% of your take-home pay per month. >> Um, so, you know, we're looking at you for, you know, probably around what, >> 1,500ish? >> Um, can you get an apartment in your area for that? >> Uh, I could. >> Okay. >> Um, I'm not not ready. I don't want to immediately move out because I don't need to. Um, I'm more than welcome. It was set up this way so that I'd be able to live there until I'm ready to buy something. >> Okay. Well, uh, how old are you, Ian? >> Uh, currently 35 in 20s kind of messed things up. So, >> but you don't think it's time. >> It's fine. Um, >> no, Ian. Ian. >> Yes. >> You need to move out. You're a 35-year-old man. I don't care if mommy says that you can stay as long as you want. You're 35. >> No, no, that's that's not what I'm saying. >> I'm saying my personal I want within the next 6 months to a year to be out >> and I we're saying weeks like why don't you why don't you Yeah. Go go go >> because and I see you're wanting it sounds like let me try let me try to get in here. It sounds like you're wanting the perfect scenario of I leave when I'm able to buy a house. That's what it sounds like. And we're saying the conditions don't have to be perfectly favorable for you to leave. You could leave as soon as you find an apartment, which could really be in three or four weeks >> or 3 days, you know? >> Yeah. >> True. >> And it and you should because let's let's we're your buddies. Like we're your friend that you sit down and they tell you the gosh darn truth. All right. So, we're going to tell you the truth is you should have done this a long long time ago. That's why we're pushing you to do it now. And there's nothing stopping you. We see no reason that you shouldn't do this immediately for you. Not for us. For you. >> Yeah. This is a dignity play here, Ian. Forget the the money side. Like, this is for you. Like, this is this is good for you to be out on your own. >> I mean, are you dating? >> Uh, not currently cuz you know. >> Yeah. Yeah, we do know. So there's another reason we want love for Ian and and Jade almost dumped Sam Warshaw cuz his mom was paying for his cell phone, let alone living with him. So yeah, you Yeah, I would uh Yeah, Ian, let's get out. Let's get out. Let's get an apartment. The world is your oyster. Your parents are going to be heartbroken because they've set this whole scenario up. It sounds like it's going to be a big conversation. Is it? Or are they going to be great being like, "Are they going to cheer you on or are they going to >> cry?" Uh it it would be definitely a difficult conversation. Yeah. >> Yes. Which is another reason why we need to >> it's it's like a sticky web. Like the longer you stay in it, the harder it is to get out of it because everybody's pulling it back. >> And there's probably some rel I'm going to just say it too, Ian. I don't know. Some relational codependence probably going on. I mean, there's some stuff there. So, um, yes, as your two friends, if we were sitting down and talking to you in person, this is exactly what I would say to you. I'd say, Ian, come on, man. You can do this. >> You can do this. >> You can do this. So, yeah, I would get out 100%. And start renting. Uh, save up for a down payment on a home. And, uh, I know you said you have no debt, which is amazing. You're not using credit cards. That's so good. So good. Get some cash, you know, for a, um, >> to have an emergency fund. And I think kind of just yeah feel how that feels to >> pull up to your own parking spot at the apartment and >> I don't know there's just something really great about that. >> It's it's freedom. You you get to see who you are in life. >> Yes. Without zero dependent. There's like not a safety net there. Like you got to stand on your own. And there's something about that >> that is so good. So good for people. And so if if you want to move home for not UEN, sorry, but America, if you want to move home for a season because there's something like you graduated college and you need to move home for a few months while you find your first I don't know there's time. What I'm not I'm not a I'm not black and white about that. >> Yeah, sure. Me too. Me too. >> But when we're 35, >> you got need to fly and be free. I I don't know why I cringe to quote Dave, but I'll quote him because he said, "An eagle that doesn't leave the nest eventually becomes a turkey, >> and we don't want that for you, Ian. You're a good man. >> Yes. >> And those those dating apps are going to do wonders for you knowing that you're out on your own. >> Yes. >> CHM isn't health insurance. It's a health cost sharing ministry. Check it out for yourself at chmin ministries.org/budget. /budget.