My only advice is to LIVE AT HOME FOREVER. Stay there until the day you die. You won't have to worry about the following people: Mortgage, Insurance, Electric, Phone, Cable, Water, Gas, Food and other stuff that is not bothering you now. This way you can buy your own new boat with your own money and have a lot more money and time to fish. Live at home forever and never move out. Not so sure your Mom and Dad will agree with this, even though it is true, but just my opinion. Happy birthday young man.