Disclaimer: Let me clear this up. I know you’re already skeptical but this was not me… I did not write this. Fact: I live at my grandparents house. But I am thankful someone else is also still living at home and it’s not just me.
The money aspect is pretty much black and white, either you have the money to move out or you don’t. This is hard to answer not knowing your current circumstances, but this is the time in your life to work hard. Get a part-time job on the nights or weekends. Save up. YOU CAN DO IT!
Now let’s touch on the guilt part. Your mom (I would assume) knows you will be moving out eventually. Mom’s don’t expect us to live at home forever, moms want us thriving in the world. I would recommend slowly bringing up the subject, talking about it. Let her know you want to move out when you get the money. Let her know you don’t want it to effect your relationship you guys have. Have her help you in the moving out process so she feels involved and not just left behind. This will help prepare you both so when it comes time to move out, you both are ready and prepared for the next chapter in your lives!