By Turner Cowles and Susie Poppick
July 28, 2015

CNN’s Christine Romans thinks it’s the perfect solution. If you’ve just graduated from college, there’s a good chance you’ve got at least a little bit of debt. Romans advises you to take a year at home to save up money, start paying off your loans, and get on your feet financially. But don’t stay forever, she says. Make a plan – you can even sign a contract – with your parents on what responsibilities you’ll take on, and how you plan to be out of the house before two years are up.

Read next: Why Millennials Are Better Off Waiting 10 Years to Buy a Home

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