nostr:npub1xjeknzjsdcqg40lnz47cm3qmppf33kq62jyqh4pjptupfqj3zf5qlc85rf 

In your 20's your health care expenses are mostly babies, accidents and dental (wisdom teeth extraction being a big one).  

Having a baby is very expensive, and then there's the pre- and post-birth care.

I agree on the roommate thing - it cuts the expense while increasing the adventure.