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Moving home at (almost) 40 will be a blessing.✨ 

Rachel Hickey
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I know I don't owe any kind of explanation for my feelings. Ever. But these ones feel important to my story right now. I realize this may not resonate with many people and honestly after editing, I'm even more hesitant to share. Moving back home with your parents is going to feel differently for everyone. But we all have our own story and it's not a comparison. It's about learning, sharing and moving forward.❤️
Debt paid off to date: $143,849.31 ($99,978.42 in principal, the rest in interest) 😮‍💨
Hello!👋 If you're new here, my name is Rachel. I'm a millennial with lots of student loan debt.💰 I'm here to share my story as I push for financial independence and debt pay-down in hopes of inspiring others to feel that there's hope to get out from under their debt and take their life and finances back! If you need a little boost of motivation, you can subscribe for weekly videos.
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DISCLAIMER: I am not a financial advisor or expert. I just love talking about personal finances and want to share my journey to financial freedom and help you get there too!

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22 мар 2024

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Комментарии : 59   
@carolwoodward6141
@carolwoodward6141 3 месяца назад
Moving home is a transition. My daughter moved home to help me with her Dad. Now she is a partner in the household. She makes my life easier and it is great to have her partnership in decision making. She boosts my strength.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
I love to hear that!!❤️
@billjames3030
@billjames3030 21 день назад
​@@its.rachel.hickeyIf you have 3 older brothers maybe they were very protective of you ?
@kristine_budgets_and_bujos
@kristine_budgets_and_bujos Месяц назад
Your feelings are valid. You can feel the heaviness and the gratitude at the same time. It’s complicated. Hang in there!
@ihama99
@ihama99 3 месяца назад
Take the blessings of having parents who want you or even allow you to stay in their home. SAVE SAVE SAVE. Respect their space and contribute and spend as much time with them as you can. You will make it out much stronger.
@cointrolfreak
@cointrolfreak 3 месяца назад
I appreciate you sharing your complicated emotions about moving back home. I was in a similar boat a couple of years ago and moved back home at 31 after ending a relationship and not being able to afford living on my own. I thought I was just going to stay with my parents through the end of that year, but during this time is when I woke up to my stagnant financial state and learned how to budget and how to save and invest. I was welcome at home and decided to use the opportunity and stay longer to build up a financial cushion that I never had. I've been living with my parents for a little over 2 years now and it has completely changed the trajectory of my financial future in the best way, plus I have been able to spend time with my parents that I never otherwise would have had. Everything is temporary. I hope you are able to find value and comfort in being able to pad your finances and spend valuable time with your family during this chapter. I'm really looking foward to watching this next chapter of your life. Thank you for sharing!
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you so much for sharing that! I am SO happy to hear that, how exciting!! It will certainly be a great time to do the same and financially regroup before figuring out the next step. Thank you for being here.❤️
@fdoctor79
@fdoctor79 3 месяца назад
I moved back home to stay with my mother in my 40s after living in Florida for almost 20 years. It is a humbling experience. Currently, I am in the final stages of my PhD program, so trying to focus and create boundaries (i.e. going to the library, do not disturb sign which is not respected😅) whenever the noise and people pollution gets to be too much. Although this is not the most ideal situation, I am grateful for the accommodations and the ease of my finances. I own land and believing when the time comes I can build a modest house and move out in the immediate future. Stay encouraged...this too shall pass! Tfs
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
That's so nice to hear! I'm glad it's working out and I wish you the best with you PhD!
@user56gghtf
@user56gghtf 3 месяца назад
You do what you feel is best for YOU. You haven't failed. Even if your family sees it as "you failed" that's only their opinion. It doesn't make it a fact. We all have a unique individual journey in this life. Your life is your life. No comparison to anyone else. You make the decisions and you navigate through this life as you choose. There's no right or wrong way only through. And you grow and become more of you through those lessons learned. I came from a environment where the essentials were provided for but nothing else. That being said I went back to that environment after being away for a while because of some circumstances. It is what I needed at the time but confirmed what I kind of already knew. I wasn't there for long and it pushed me into things that became bigger and better in the long run. We sometimes don't know why things happen but we get through them. Listen to your gut. And know that God will give you the strength to overcome whatever obstacles that come your way.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you for sharing! That's the thought I'm holding in my mind as well. The worst case scenario is if the cats and I aren't comfortable, it will push me to fight harder to get back into our own place.🌸
@TexasGal.
@TexasGal. 3 месяца назад
I too moved backed home with my parents ten years ago when I was 38. I too had lived away from them for many years. I lived with them for a year and a half. It helped me to grow and get to a better place. It was also great to spend the time with them after so many years away.
@sarahj985
@sarahj985 3 месяца назад
43 here and currently having conversations of moving back home. Also in a debt pay-down journey but due to a toxic job I may not have a choice but to move home for a while. I totally feel you on the pride thing! My parents are more than welcoming and making the decision easier, but still, it's hard to move home in your 40s. Just considering it a step in getting myself to a better place... financially and emotionally. No situation is every permanent :)
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Aww absolutely! Just a step that's hopefully disguised as a spring-board into the next chapter! Thank you for sharing and I wish you the best with everything that unfolds for you.🌸
@thomaschew2191
@thomaschew2191 3 месяца назад
I'm a technical sales engineer. I've been at it for quite a while, most of my work centers around dealing with our customers, interfacing with their engineers and/or buyers, with the emphasis on the buyers. Way back when I first started a person in this field used to say that "problems are opportunities in disguise". This in context had to do with our not meeting customers' expectations but I think it has universal application to life in general. I tell my kids all the time that they will never live as cheaply as they do while under their parents' roof so take advantage. True there is a loss of independence and its associated prestige but that could be more than compensated by the opportunity to clear the decks of the emotional and/or financial clutter that we all have. Every dark cloud has a silver lining, the trick is to look for that lining and set a direct course to it's precise location. Problems are opportunities in disguise.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Very true, thank you Thomas!
@FIRE_DrNinjaTurtle
@FIRE_DrNinjaTurtle 3 месяца назад
Your higher power has your back. I am looking forward to seeing you in Maine.
@theideaplace
@theideaplace 3 месяца назад
Don't worry about how it looks to be moving back with your parents...we are in different times and I'm sure many people are doing this due to financial times thanks to the cv insanity... Just be thankful you have parents that you feel comfortable moving back home with... I could've never moved back in with my parents even after college... I had an unhappy childhood and moving back was never an option for me... sounds like you have a nice family.. be grateful for that.. it is a true gift. Good luck I hope you get the job.. sounds fun
@Sass2000Cass
@Sass2000Cass 3 месяца назад
Don’t feel bad. We are back at the job market that was present 2008-2011. I’m in your situation too and likely will be moving back to Florida soon as there’s more work. I’m giving myself until end of April 2024 or I’m moving to Florida.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
You're absolutely right. I wish you the best of luck!!
@ceciliaruns72
@ceciliaruns72 3 месяца назад
You’re welcome here, in the verge of empty nesting and I have 3 extra bedrooms! 😊 I’m in North Ft Worth… ❤
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
You are so sweet, thank you!!
@workinprogresssince1974
@workinprogresssince1974 3 месяца назад
You're not a failure. If you have enough control over your life where you can afford to be as flexible as you are now being, that's winning. Many people don't have the luxury of being able to pick up and move on and adjust. They just hold on and get deeper and deeper into problems. If I had to move back home (and that's always a possibility) I would consider it a stepping stone. Thankfully I've never had to deal with the stereotypes of being a girl. That said, like you, I have never asked my parents for financial help - my brother on the other hand, has had a lot. I may not be the one with the full time job, and the mortgage and the kids, but I am the one who has no debt, no financial problems and has autonomy in their life.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you so much for sharing!💖 I didn't want to touch on it in the video, but there has been a HUGE difference in the amount of financial assistance that each of the 4 of us have asked for since leaving home, from $0 to $OMG. And that disparity has played VERY heavily into the family dynamic over the last decade+ and it's unfortunate.
@ashnichole8060
@ashnichole8060 3 месяца назад
I get what your saying. Us as girls had to wait longer too then the boys.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Ugghhhh.. I'm sorry.
@Underthesea-w7q
@Underthesea-w7q 3 месяца назад
Life is full of surprises. This will open new doors for you that you can’t see now.
@hay5441
@hay5441 3 месяца назад
I moved back in with my parents. And lived with them for a couple of years. This was right before the pandemic. So we were cozy for two years. lol. It’s nice to spend time with them. They came in handy for child care and having that family time. I didn’t feel bad then and have no regrets. My daughter got to spend time with them. Which is what counts the most. ❤
@juliequick5526
@juliequick5526 3 месяца назад
Sending huge hugs as you navigate this next phase of life. Please just relax into it and see what happens. My overriding lesson of my middle years has been to let go of my instinct to try and control everything. It is an ongoing battle, but very freeing xxx
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you so much.❤️
@CouponingwithGrace
@CouponingwithGrace 3 месяца назад
Change your perspective that you not moving back now. When I moved back to my parents in my mid 20’s, I offered to pay rent. Giving my mum $500 a month helped her financial and made me feel a little better.
@rosamondhazell2149
@rosamondhazell2149 3 месяца назад
Give yourself some Grace my dear. I know it’s not easy, but think of it as temporary enjoy this little time with your family. I appreciate your transparency. Remember this is for a time, I know you can do it.
@catgodfrey6451
@catgodfrey6451 3 месяца назад
You got this. Give yourself a break. You haven’t convinced yourself the move is a good idea. Just remember self care is @ utmost importance 😊❤😊
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Yes! Thank you!
@lamb-ru9ec
@lamb-ru9ec 3 месяца назад
It is such a blessing! But it’s also an adjustment!
@ashnichole8060
@ashnichole8060 3 месяца назад
Don't beat yourself up. I moved home 2013-2015 to complete nursing school. Graduated & then moved back out. Your good girl.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you.🌸
@thearbitrarylife
@thearbitrarylife 3 месяца назад
I moved back in my parents 10+ years ago. I felt like a failure. But they welcomed me back without judgement. I’m casually looking for a place of my own for my partner and I near my parents.
@PattisPurse
@PattisPurse 3 месяца назад
Thanks for your story! To be honest, at least you have your parents blessing to be back in Maine :) and it's a transition as others have said.. you'll be okay.. it's not easy.. but it's going to be good for you now! xo
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
It is a blessing! Thank you!✨
@joyess6029
@joyess6029 3 месяца назад
I hear in your voice all the emotions this move is bringing up for you. Hang in there. This is your ‘for now’ not your ‘forever’ solution. And as solutions go, it is wise and it is practical. Difficult times pass, and it is often only afterwards that through the rear view mirror we see the lessons these challenges held for our growth.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you for your kind words! You’re absolutely right.❤️
@josephdaly2015
@josephdaly2015 3 месяца назад
The interview sounds very promising and definitely a different perspective - an adult. Moving home will be hard on both sides while ye all adjust and just be patient with each other for that. Oh I get where you’re coming from being a girl and I’m the oldest so had to push a lot of boundaries but I got through it but still have a few issues too. I think it’s normal. Oh when you feel like dancing just close the door and dance 💃🪩 Have a great week. Mary, Joes wife 🙇‍♀️👏👍💪🤞🙏💐🐈🐈‍⬛💃🪩
@amycolucci6769
@amycolucci6769 3 месяца назад
U got thissssss
@nomafmaroga6827
@nomafmaroga6827 3 месяца назад
Congratulations on your interview 🎉❤
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you so much 😀
@ajaratuegbo8534
@ajaratuegbo8534 3 месяца назад
Good for you! I hope the opportunity works out. I am glad you are embracing returning home. Some of the other content creators I follow have returned home. Unexpected job loss is challenging to navigate without sup pay or severance. You are fortunate. Allow yourself time to reset and figure out what is next. I have good news to share. I landed a job. It took 68 days but it was grueling. I am still trying to process my new normal. Be well!
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
YEEESSS!!!! Congratulations! I’m so happy to hear this. I wish you the best on the transition! Thank you so much for the kind words.❤️
@nesadcruz7840
@nesadcruz7840 3 месяца назад
Am guessing your parents are over 70? Parents back then were more protective of girls than boys. My Brother had a lot more “ freedom” too. I resented it then but now as a parent myself I look back in gratitude. My family was well off too and materially we had everything too but I too was unhappy about not being able to do things my friends were free to do.
@jessicatounkara8753
@jessicatounkara8753 3 месяца назад
Please make sure you can keep your unemployment out of state before you leave. I'm not sure how that works.
@jaelasam
@jaelasam 3 месяца назад
Please give yourself grace; your feelings are valid, and you can be appreciative of the opportunity to move home while simultaneously anxious about the impact of the transition on your mental health. Truth is, you are not a failure. Unemployment can happen to anyone at anytime and you worked hard to ensure you are able to navigate it in the best possible way. But as I've said before, the system feels rigged to keep you down when you stumble and for that, I'm glad you have the opportunity to move home so you don't stay down too long. Move home, get that job and get back on your feet. You got this Rachel 💪🏾💞
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you SO much for the kind words!!!💖 You're absolutely right!
@carolwoodward6141
@carolwoodward6141 3 месяца назад
Good luck with the interview.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Thank you! I'll let you know how it goes.😄
@ryanretirement6662
@ryanretirement6662 3 месяца назад
Is sad to see you say you move back to your parent to save money at age 40 years old.
@carolwoodward6141
@carolwoodward6141 3 месяца назад
Remember it is temporary and, oh yes, I am a pollyanna.
@its.rachel.hickey
@its.rachel.hickey 3 месяца назад
Indeed!
@jessicamillerr
@jessicamillerr 3 месяца назад
Hey! 🍓🌸🍁🍁 RU-vid recommended one of your videos, and I must say, you post awesome stuff. I love it, and I want to see you on top! By the way, I was wondering if you or your friend need a video editor or thumbnail designer. I am Mohan, a professional video editor and thumbnail designer with 4.5 years of experience in creating engaging and high-quality videos and thumbnails for RU-vid. If not, please reply with "NO" and I will remove you from my follow-up list. Keep creating amazing content! Best regards, Mohan
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