DEAR DR. NERDLOVE: Been reading you for a while, I respect and value your opinions and insights and would like your input.
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I’m 28 and I I’m in an incredibly privileged situation with my living at home arrangement, which I’m quite thankful for. I graduated college right into COVID and worked from home for two years, and the situation just panned out wonderfully. The house is huge, I have an exceptional relationship with my parents, who also encourage me to stay to keep saving money (of which I have amassed an impressive chunk for my age, that I invest), live 15 minutes from my job, have space for my own gym equipment, the list goes on. I’ve been capitalizing on the situation to get in good shape and advance my career with professional certifications.
I used to feel humiliated to be living at home, but I found a new perspective. I live as an independent adult with a free room (I contribute with upgrading and buying new household appliances like washer/dryer/fridge, helping pay for fixes/repairs, a share of utilities/internet, and other things that the whole house uses), and don’t have my parents lifting a finger caring for me in any capacity; so, no mommy doing my laundry or dishes or any man-babying. My friends who have all moved out lament that they aren’t saving a dime. Their paychecks are being devoured by rent and essentials to the effect that they can either go out to dinner once a month or buy a few shares of stocks. While I am thankful that I can amass wealth in such comfort and enjoyment with my family, and have a thankful perspective on it, there is one thing that they can do in their own place that I will not do here: sex.
I would not be ashamed to bring a woman home, but I will not, under any circumstances, f--k under the same roof as my mother. Not because she forbids it in any way, it’s beyond skeevy to me to think that she could accidentally hear something, and the thought of having to sneak around / coordinate with any potential woman to do it while Mom isn’t in the house makes me feel like a teenager and is incredibly emasculating. The way I want to sexually express myself (and any potential girlfriends want to sexually express themselves) is not possible in my current living situation and I very much want a relationship so I can get the wheels turning on the prospect of having a family.
My alternative would be to move out to a place that’s either 2+ hours away from my job (and still taking a huge chunk of my pay but I’d still be able to save something), or one that would consume a grand majority of my pay, just like my friends leaving me nothing to save. I think that the responsible thing to do, especially in times of severe economic uncertainty and rising inflation, would be to stay where I am and keep socking away money/investing if I ever want to own a home instead of being doomed to rent. However, I want to find the woman who I will spend the rest of my life with, and I want her to have a desire for physical intimacy similar to mine. My last girlfriend was in college where we were very physically intimate and really having lots of fun being as loud, wild, and uncaring as possible; not gonna happen within a mile of my mother, disgusting.
So, the question I have been pondering is: would it be worth it to move out and forgo the current financial and other benefits just to have my own place just so I can bang? Ultimately, a family is my goal, and having a strong financial position is critical to that. But I want the woman who I spend the rest of my life with to have a desire for physical intimacy similar to mine and there’s no feasible way to foster that while living at home. So, I either have to forgo happiness for security, or security for happiness. I have discussed this with my mom, and she’d be happy with me bringing any girlfriend here, but she couldn’t deny that it would be “a f--ked-up kind of weird” to know that I was having sex, to which I agree. My dad’s response was “so what? your mother and I f--k all the time here.” which I appreciated but it felt hollow because he sang a much much MUCH different tune when it was my sister having sex with her boyfriend here (whom she moved into an apartment with and is now barely saving any money) and oddly enough my mom didn’t care one bit about that. My sister didn’t give a crap about what my dad thinks but I can’t shake the ick that I have.
So, which is it doc? Move out? Stay put? Get over it? Or if you can devise a brilliant solution or offer some sagely advice, that would be most welcome.
-Man on an Emission
DEAR MAN ON AN EMISSION: OK, I’m sorry for the knee-jerk “not what you’re actually asking about” response here but I have to say it: the reason why your parents felt differently about your sister having sex with her boyfriend vs. you having theoretical sex with your theoretical girlfriend is mostly inherent and unconscious sexism. Boys are “supposed” to be going out and f--king, girls are supposed to be “pure” and knowing that one’s precious daughter is getting defiled under one’s roof is the sort of thing that sends people of a certain mindset into very weird Freudian apoplexy.
But that’s not the issue here. The issue here is that you want to bang but don’t want to do so at home which is legit. I will admit that I don’t necessarily share that issue, but I also spent far more time in my teenage years trying to bring girls home and find opportunities to bang. To be perfectly honest, I feel like part of the fun of being young and in love is trying to find places to make out and have sex without getting caught; it required both creativity, ingenuity and a healthy appreciation of risk. The effort it took �– and the respective levels of risk of being caught – added spice to the whole affair and was part of what kept everything exciting and wild, especially at that age when just having any sort of sexual contact was new and thrilling and terrifying.
So the question then becomes: what’s going to be more important to you? Having a girlfriend and a sex-life without the complication of bringing a girl to your parents’ house, or not spending money? Because this is a money-soluble problem.
But let’s put a pin in that for a second, MOE, and let me ask you something else: what are you saving for? You’re putting all this money aside and presumably investing it, but for what purpose? There comes a point where, unless you’re a dragonborn and hoping to accumulate a hoard, that the money is going to be spent. So what’s the goal of those savings besides just the act of having it? Being able to brag about those diamond hands to other folks on investing subreddits? Don’t get me wrong, I’m not against your building up your savings – far from it! But I think it’s worth thinking about whether it’s a much higher priority than a relationship, especially when not saving as much seems to bother you.
Let’s assume, for the purpose of this discussion, that you’re saving up to start a business. Ok, cool. Do you have an actual number in mind? How close are you to that number? How long would it take if you were to get an apartment somewhere and your rent and utilities meant that you wouldn’t be able to keep putting away that same chunk every month? Would you be able to make up the difference if, say, you put the money you’ve already saved into an S&P 500 index fund? Would the growth be so impacted that way that it would kick that end goal an additional decade down the line? Five years? Less? Is a romantic and sexual relationship less worthwhile and meaningful than reaching that goal at this particular timeline? Or would you see the benefits – a loving partner, a healthy and active sex-life – to be an equitable exchange for what you’d be giving up? That’s something I think you should put some serious thought into.
The next thing I think you should consider is that you’ve given yourself a false choice here; you’ve got more options than “live a celibate life at your parents’” and “not be able to save as much (or any) as I do now”.
It sounds like you’re looking at this from an angle of having a place all to yourself – either at the cost of an increased commute or not being able to put aside as much every month. But if you were to split the cost of a place that’s closer to work with a roommate or two (or three or four), I think you’d find that you could split the difference between a convenient commute and not paying exorbitant levels of rent quite handily. Now, you’d still have to deal with having roommates who’d know you and your future girlfriend were banging out… but that’s something that young people have been dealing with since the invention of cities. I think getting over the worry that other people know you’re f--king would be nicely counterbalanced by cheaper rent and having a place of your own in that particular cost/benefit analysis.
But let’s say that none of those possibilities work for you; it’s your parents’ house or your own place by yourself, nothing in between, and you decide that you aren’t willing to give up building your savings because reasons. You can still live with your parents and have a sex life… you’ll just have to learn the lessons of cheaters and/or poly and ethically non-monogamous people who can’t host. In your case, this’ll mean either dating someone who has her own place and doesn’t mind that the answer to “your place or mine” is always going to be “hers”, or using apps like Hotel Tonight and AirB&B to find love nests for when you want to have your trysts somewhere besides her place. But that’s going to cost a pretty penny too, since overnights at a place that’s going to be a cut above the local no-tell motel will add up to a de facto monthly rent in short order.
At the end of the day, you’re going to have to give something up – whether its how much you’re saving, having a girlfriend or your aversion to having sex under your parents’ roof. It’s just a question of which matters more to you. Once you figure that part out, you’ll have your answer.
Good luck.
Please send your questions to Dr. NerdLove at his website (www.doctornerdlove.com/contact); or to his email, doc@doctornerdlove.com