[Hondaracer]

Would have to agree with Hobz in regards to the living situation. If your current arrangement is robbing you of happiness and freedom in your life because you’re handcuffed to it, might want to reassess that situation because it sounds like it isn’t bound to change in the next 10/20 years. That’s a long time to essentially commit to that arrangement and as you said, you need to live that same way in order to maintain payments, etc. sounds like you’re turning into what you didn’t like about your dad growing up?

Maybe there isn’t a better solution given cost of living etc. but there are always options, might have to think outside the box, get your parents into a Coop, etc.