He said they're "struggling when things hit us." Unless this means something else, I'll chalk this up to unexpected expenses.
What's wrong with living with his girl at 22?
Agreed. This sounds like OP lacks rainy day funds, which goes back to my point about how he may possibly need to reassess his spending habits.
@spizike231
-- elaborate on your situation. Is your girl helping pay bills? How much of your monthly salary goes into expenses / entertainment? It seems like you have all of this falling on
only your shoulders.