/u/Impossible_Guard6978 Ive been financially independent aside from living at home. What a messed up phrase. Sign of the times, I guess. No disrespect to you. Your decisions are yours to make – even if others do not like those decisions or if those decisions bring you sadness. You are 20 years old. You are an adult. They made poor financial decisions I realize it is off topic in the context of this thread, but I can’t see thinking it is okay to retire and running out of money after only a few years. Did something unpredicitable and costly happen? Health issue? Bad investments? Do not buy a house with your boyfriend until you are married to him. That, or have something set up with a lawyer to financially protect both of you.