Living at home and saving everything one would otherwise pay on rent, utilities, etc. can give a kid a huge boost! My son moved home and put all his money toward his student loan and car loan. Once those were paid off, he built up an emergency fund and saved enough for nice furniture. He’s doing exponentially better today than he would have if he’d had to pay living expenses and utilities and chip away slowly at his debts. And it was nice having him home a bit longer.