Though not her first choice, Kate could also rent within about a year at lower expense and with more flexibility. Or, if she stays with her family for a few years while paying off her loans and invests $3,000 a month before moving out and renting her own place, she could save $75,000 or more to invest, Rempel said. This money should be able to grow to about $300,000 in 15 years, assuming a return of seven per cent to 8 per cent. “This could allow her a more comfortable lifestyle.”