This is a no-brainer. You live with them.
Get a post office box, as somebody else suggested. Consider it the start on your independence, and your new “place” (easy to decorate and clean!
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). Have your mail go there. If the US Postal Service has a waiting list as they sometimes do, get a PMB at the UPS Store, where they run about $15-20 a month, $150 for a full year.
Goofy question: Are you inheriting the family business? I ask because if you’re not, it’s time to find a new job. If you are, it’s time to sit down with Dad or the company manager and better define your role and job description.
Whether or not you’re inheriting the family business, it’s time to get a place of your own. Start saving! Now! Set a goal, say three months maximum! Mom can always bring you over a casserole. Get a roommate if you must, but it’s time to quit living with the folks.
If you have not charged up your card to the max, you might want to think about a cash advance, if you can afford it, to help start your independence fund. Keep paying on the card as well as stashing away everything you can add to the cash advance to get out now.
I bet they’ll be glad to see you go, too. I know a guy who stayed on after college with Mom and Dad. He was very reliable. He mowed the lawn, cleaned the gutters, painted, kept up his room, bought groceries, was about the perfect son. And Mom drew him aside one day and asked him point-blank, “When do you intend on getting out on your own? Dad wants to know. It’s not good for you to live with your parents at your age. No nice girl will ever want you if you keep this up, and nobody will carry on the family name! And quite frankly, well, Daddy and Mommy need time alone. And you’re always here! You can still come once a week for dinner. But you have enough money- move!”