I am 20 years old, and I have thought about moving out since I graduated high school but chose not to because I had no idea what I wanted to do moving forward and was suffering immensely mental health wise. After two years, I have a better sense of where I want to take my life; I enrolled in a community college and have been studying at 3/4 time as I fortunately received the full Pell grant since I live in a household of 6 with just one income. One university about 30 minutes away from my current home is offering me a 3k scholarship, which is making me strongly consider transferring there after two years.
That being said, living with a family of 6 (two of those people being children) on an open floor plan has been distressing, and I find my stress tolerance decreasing due to how noisy they are all day, and every day. I find my body getting sick from the overwhelm at times. I also do not have the greatest of relationships with my mother and stepfather as they have a tendency to disrespect my boundaries, and make it difficult for important, conflict resolving conversations to happen. The amount of stress from living at home + working/saving makes me worry about whether I will be able to sustainably complete a degree, and whether the inevitable stressors associated with being on your own might prove themselves just slightly easier if I simply had my own space to breathe and think.
I have had around 15k saved up since high school, and as I have mentioned before, I am working and intend to save. I currently only have access to 11k as my stepfather still owes me around 4k that I loaned him for something he needed for his business.