I confess: I am on the East Coast for a short time completing contract work for a client based in New York City and have been staying at my parent's home in the meantime. So, sure, I guess you could say I am currently living with my parents. (Insert monkey covering face emoji.)

To my surprise, it's been a huge help. It's shocking at how much money can be saved when you don't have to make yourself dinner every night.

Living a post-college life, it's hard to make the financial wheels turn — and it's even harder to save money. It's also difficult to begin a professional life, think ahead and do what it takes to do the things you love.

Griffin
Griffin

But, a new study shows that living under the parents' roof after graduation could be one of your best financial decisions. Looking towards the future, this move could help you end up on that beachside golf course — or making cheese on a goat farm in the mountains. Whatever you're into.

A new study released by NerdWallet revealed that the 2015 college graduate isn't likely to see retirement until the ripe-old age of 75 — and that's including a first job with a median salary of $45,478. (Don't hold your breath... that's a lot of cash.)

Oh, and that factored with a lingering student loan average of more than $35,000 hanging over new grads' heads (and being able to pay it off in 10 years). If you go to the University of Colorado, you probably have a good amount more than that. To boot, I've never met anyone who has paid off student loans in just 10 years.


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Needless to say, this retirement plan seems like an impossible scenario. Somehow, millennials have tacked on an entire decade from the current standard retirement age of 65.

To make things even more depressing, NerdWallet shot us in the foot by giving us a life expectancy of 84 years old. This means, on average, millennials will only spend a short nine years in retirement.

But, all these negative numbers were countered by one small detail: Those who live with their parents for the first two years after college have a chance to diminish that new retirement age of 75 by five whole years.

Living the vida loca now, aren't we?

Moving in with the parents at 23, even though they may hate you for it, is the best thing millennials can do in today's economy. When you couple high student loans with rising rent across the nation and our generation's broken trust in the stock market, we can get the wheels turning in the right direction if we say, "Hey, mom, I'm coming home."

Don't be embarrassed to have this plan. Most kids these days — with their independent attitudes and big fancy plans — are not that likely to follow through with big dreams. Like my brother once said, "Life gets really real, really quickly."

Just do yourself a solid and call mom after graduation. That way you're likely to score 14 years of retirement and not just nine.

Also, thank you to the parents who will now have kid-ults at home after they thought they got rid of them for good. (Sorry mom and dad, no more drunken swinger parties.)

Just be sure to keep the wine chilled for us, we are fancy like that.

Read more Griffin: coloradodaily.com/columnists. Stalk him: twitter.com/GavinBGriffin.