My 18-year-old son attends college full-time, works at Starbucks nearly 25 hours per week and hones his DJing skills in his newly renovated bedroom suite.

Sure, it was a much-needed upgrade in our small Cape Cod-style home, but if I’d had it this good, I would have never left home! Maybe that’s why he’s in no rush to leave. According to some recent stats, neither are many other Millennials.

In 2015, 42.2 million Millennials lived with their parents, compared to 41.9 million in 2010. It’s a wise step, especially if you can pay off some debt and bank some cash for the future.

If I could go back in time, here are some savvy money moves I would share with my younger self.

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