You don't have to live with parents and live on a rice and beans diet for 25 years unless you think your income will never increase over that 25 year period. It's a temporary thing to get your financial house in order and to get back on your feet. But I guess being responsible and making hard decisions is just asking too much. Way to be a man and resorting to name calling just because I said something you didn't want to hear. Welcome to the real word where the truth can suck and you can get your feelings hurt.