Most of us remember the excitement of the BIG DAY. That day, after living in your parents' home for 18 (in some cases 25) years, we finally asserted our independence and moved out of the house! Whether we were heading off to the "city" to work, or starting our college lives, joining the armed forces, or just finding a space so we could party with our friends, the sense of finally being an adult was intoxicating. Then Reality set in. We quickly realized that the paltry money we were earning barely covered the rent. Top Ramen instead of Mom's potroast,...