• Nadeshiko Zhang (25) lives with her parents in Baldwin Park, California to save money.
• She attends graduate school and her parents pay her bills to help her focus on her studies.
• Zhang plans to support her parents and help them retire early once she secures a well-paying job.

This as-told-to essay is based on a conversation with Nadeshiko Zhang, a 25-year-old graduate student from Baldwin Park, California, about living at home with her parents who are helping to pay her bills. It's been edited for length and clarity.

I'm 25 years old and my parents still pay my bills and rent, which is a big help as I'm in grad school.

Last November, I moved back home to live with them and my younger brother in Baldwin Park, California, to save money because the housing and rental market is not ideal. I'm glad I made the decision; my mental health has improved vastly, and I'm less stressed.

My parents cover my bills because I'm still in school

I graduated from Chapman University with a bachelor of arts in psychology in 2023. I'm attending the Anaheim campus of the Chicago School of Professional Psychology for my master's in applied psychology. Once I'm done in July 2025, I'll pursue my doctorate in forensic psychology.

My parents still pay most of my bills because I'm a student. From their perspective, they don't want me to worry about money so I can focus on my education and get a good job.

Besides rent, they've also helped to pay for my car insurance, health insurance, and tuition.

My car insurance varies between $3,000 and $4,000 a year. As of this year, my parents no longer pay for my tuition and health insurance. My current income makes me eligible for free Medi-Cal, and my scholarships, grants, and loans cover my graduate school tuition.

I plan to return the favor when I land a good job

My father is a contractor and construction worker, and my mom runs a daycare center at home. Another goal is to help them pay off their mortgage so they have one less bill to worry about.

Once I get a good job, I plan on reciprocating by supporting my parents. I plan on helping my parents retire but I'm not sure when they'll be ready to do so as they enjoy keeping busy. My dad would probably retire in the next five to eight years.

My dad helped pay my tuition on a monthly payment plan. Because Chapman is a private school, my grants, scholarships, and financial aid didn't cover everything. I still had to pay between $10,000 to $15,000 out of pocket, including loans.

Living at home with my parents is great

While attending Chapman, I lived independently for three years, renting a room in a house. One of the main reasons I had to move out of my parent's house was that I didn't want to commute from Los Angeles to Orange County daily during undergrad.

Living alone was sometimes great, but I probably wouldn't want to live alone again. After a stressful day, I don't want to return to an empty house. It feels lonely.

Since moving back in with my parents, I look forward to going home after class versus dreading it when I live alone.

The one major con is that there's minimal privacy at my parents' home, which can affect busy study times and school work. But I'm saving over $2,000 a month by moving back home.

I still help out with monthly bills even though I don't have to

Currently, I private tutor kids on the side for extra cash for roughly 40 hours a month. Some of that money has been used to build up my savings and buy a new Tesla for my commute. My previous car was a 2021 Honda Civic Hatchback Sport, and I decided to go electric for the longer commute.

A lot of my friends think I've made a really smart choice, living at home, considering the rent prices.

Once I get my master's degree, I want to teach at a community college as a professor while working on my doctorate degree. Eventually, I plan on moving out with some friends and buying a house closer to my work, so it's an easier commute.

After I complete my degrees I want to focus on retiring my parents early

Ultimately, after my postdoctorate, I want to apply for the FBI Academy and get field training. I aim to become a forensic psychologist partnering with the FBI's Behavior Analysis Unit. Women, especially women of color, comprise a fraction of any federal agency. I want to be part of that change.

I'm confident I'll make enough money to take care of my parents. Forensic psychologists make six figures with a salary bump from degrees, certifications, and references. The starting salary for the position I want is around $150,000 a year.

I also can't wait to be able to help my parents retire early because they've worked so hard and long.

Since my brother is starting college soon, I agreed to pay for his tuition, and he'll be helping me support my parents after he starts his career.

If you have a unique living or money arrangement with your family, and want to share your story, email Manseen Logan at mlogan@businessinsider.com.

• Automotive journalist Jules Rogers test-drove the XSE model of the 2024 Toyota RAV4 Hybrid SUV.
• The SUV offers fuel efficiency and a smooth ride, and the XSE model has added premium features.
• While she would consider buying it, she thinks the price is a bit high and it's not worth buying new.

The 2024 Toyota RAV4 Hybrid SUV is fun to drive and has luxurious interior features. Highlights include its fuel efficiency, smooth ride, and quick acceleration, along with heated seats, a moonroof, and 18-inch sport alloy wheels.

The RAV4 Hybrid XSE all-wheel-drive SUV has extensive safety features, such as automatic high beams, lane tracing assist, and pedestrian detection, that come with the Toyota Safety Sense package.

As an automotive journalist, I test-drive new vehicles all the time. The standard RAV4 Hybrid model starts at $31,475, but I drove the XSE model, which comes with the special XSE technology package and costs $42,909.

I liked it, but the 2024 model isn't significantly better than the 2023 model, so it could be worth it for budget-friendly drivers to consider an older model.

The XSE model is for a driver who prioritizes premium features

The XSE technology package includes front and rear parking assist with automatic braking, a smart keys system, wireless smartphone charging, an eight-way power driver's seat with memory function, and a 12.3-inch color gauge cluster control system.

The XSE also has a sport-tuned suspension and bigger tech on the dash. The base model is just fine for those who want a hybrid at a reasonably modest price point.

You can also choose the XSE weather package, which features a heated leather-trimmed steering wheel and rain-sensing variable intermittent windshield wipers, including a de-icer function. This package is great for drivers who live in harsher climates.

The model I drove was equipped with all-weather floor liners, which allow drivers to keep the car spotless — especially if they're driving on dirt roads or mudding on their day off.

Both the interior and exterior are appealing

On the outside, this Toyota is very cute and compact. The one I drove was finished in cavalier blue with multi-spoke black rims.

Inside, the SUV has vegan leather with really nice stitching throughout. This trim specifically features blue embroidery thread on the seating, a high-end detail that makes the interior feel posh. I love the blue stitching. Toyota doesn't skimp on interior materials, so it feels like a modern, well-made SUV.

There are a lot of thoughtful details in the dash and inside the car, including the JBL infotainment system, which creates the perfect mood while driving. Heated front seats also make this hybrid SUV extra comfortable. Even the back seats feature air vents with the dual-zone system setup.

I loved the panoramic moonroof upgrade, which gave the interior a great ambiance for the driver and passengers. This vehicle has many different gadgets for the driver, including its audio multimedia infotainment system with six speakers, Apple CarPlay, and Android Auto.

The safety features are very useful

The Toyota Safety Sense features ensure this SUV's safety. These include pre-collision and pedestrian detection, radar cruise control, steering and lane tracing assist, automatic high beams, an anti-theft system with an alarm, a backup camera, blind spot monitoring, rear cross-traffic alert, and more. This vehicle also has a five-star government safety rating.

During inclement weather, the bird's-eye view feature allowed me to toggle a switch on my rearview mirror, turning it into a screen showing a real-time rear-camera view. I would definitely use this during the rainy months, when vision may be limited by the weather. The rearview mirror also features auto-dimming, so the lights from the car behind you can't blind you.

There's no lack of power

The RAV4 Hybrid is comparable to its sister, the RAV4 Prime, and its competitor, the Kia Sportage Hybrid, which has a complete redesign for 2024 and is the winner of the 2023 US News Best Hybrid SUV for the Money.

This SUV has 219 total horsepower and runs on a 2.5-liter four-cylinder engine with electronic variable transmission and electronic on-demand all-wheel drive. This power is suitable for this size SUV.

The ECVT is the vehicle's hybrid mode, which, combined with the engine, gives a decent score of 41 mpg in the city and 38 mpg on the highway. On ECO mode, it gets super quiet and automatically turns off the engine when you come to a complete stop, kicking back on when you exceed a certain speed limit.

This vehicle feels nimble and responsive, and the torque feels instinctive. When you hit the gas the car immediately powers forward — there's no lag. You wouldn't know you're driving an SUV because of its responsiveness, quick horsepower, and four-wheel drive. It offers a smooth ride, nice acceleration and handling, and sport mode for off-roading enthusiasts.

I enjoyed how easy it is to drive

This Toyota SUV is a great vehicle for all types of driving, whether in the city or traveling.

Overall, I find it easy on the eyes and an exciting compact SUV that I enjoy driving. There's no uncomfortable seat in this vehicle, even in the back, so when you're ready for a long vacation with your family, this is the perfect hybrid SUV to do it in.

When I'm next in the market for a hybrid crossover SUV, I will definitely consider the Toyota RAV4 Hybrid XSE, but I wish it didn't cost as much as it does, especially considering how many other options are on the market for $40,000 or less.

• Armed with a credit card and a dream, Daniel Jailani set off to see the Eras Tour as many times as possible.
• Going to 10 shows across four countries cost him $4,280 in tickets, flights, hotels, and outfits. 
• He says it was an experience of a lifetime, one he would gladly repeat.

Daniel Jailani, a 24-year-old legal counsel from Singapore and a hardcore Taylor Swift fan, was laser-focused on catching as many of his idol's Eras Tour shows as possible.

Even if it meant using up almost all his paid time off, he traveled to Australia, France, and the United Kingdom to catch 10 of Swift's three-and-a-half-hour-long concerts.

Jailani said Swift is his favorite artist of all time. Growing up gay in a conservative Muslim family in Singapore, he said: "Her music transported me to a place where I was not stuck in my very difficult reality."

He added that he lived vicariously through Swift's music in his formative years.

"And at that point in time, her music was about high school and falling in love with boys, so that's how she allowed me to experience all that," he said.

In five months, Jailani has taken six flights, tailored eight concert outfits himself, and spent $4,279.76 to see the shows.

He said that the main motivation to see Swift across multiple nights was to catch her three surprise songs every night, which are not in her set list of 46 songs and are unique to each city.

He's not done yet and plans to attend one last show in London in August.

Here's what the whole experience cost him, according to receipts and invoices verified by Business Insider.

$2,242.22 for concert tickets

While some struggled with purchasing even a single ticket to see Swift, Jailani managed to snag 11 with the help of his friends, family, and strangers on TikTok.

He attended one night in Melbourne, all six nights in Singapore, two in Lyon, and one in London, with one more — Swift's August show at Wembley Stadium — left.

Jailani said securing the tickets was a team effort, with his family and friends helping him purchase additional tickets.

For example, one of his friends traded her extra Melbourne Eras Tour ticket for his spare Singapore Coldplay "Music of the Spheres" ticket.

$1,083.51 for flights

The fan chased Swift around the world, flying to three different countries from Singapore to see his idol. He purchased six flight tickets, return journeys from Singapore to Melbourne, Paris and London.

Jailani booked them all with deals on Singapore Airlines, the country's national carrier.

He has yet to book his last return flight to London for Swift's August show.

S$396.48 for hotels

Here's where Jailani saved big. Opting to bunk in with his friends and family in Lyon and London rather than in hotels or Airbnbs helped him save.

In Melbourne, however, he chose to stay in a serviced apartment just half a mile from the concert venue.

$230 on Eras Tour merch

He spent about $230 on official Eras Tour souvenirs, which included two t-shirts, one hoodie, and one crewneck sweater.

$328.55 for outfits

Jailani designed his own outfits for the concerts, inspired by eight of Swift's 11 albums, or eras.

From a rhinestone-studded black pantsuit inspired by the Midnights album to a sweeping green cape for the Folklore album, he pieced all his outfits together by hand.

The materials used cost him $328.55, he said.

Swifties are shelling out big time for the Eras Tour

Jailani is not the only one willing to spend big bucks for the Eras Tour. A report by research company QuestionPro found that Swifties were spending $1,300 on average to attend the Eras Tour.

An earlier Business Insider story featured eight Swifties who spent between $300 and $20,000 to see the concert.

He also hasn't broken the record for most shows attended. According to Rolling Stone, a 27-year-old fan visited the Eras Tour 20 times across North America.

The Eras Tour is the first-ever concert tour to gross over $1 billion, and the QuestionPro report found that it could result in $4.6 billion in consumer spending in the US.

Swift is expected to boost the economies of countries in Europe in a similar way as her tour makes its way through the continent.

Hotel prices in Milan, ahead of her show in July, spiked by 45% on the nights of her concerts, compared to the weeks before and after the show, Italian tourism company Tourist Italy told Business Insider.

Portugal, Spain, and Sweden's hotel prices in May increased several times from their 2021 to 2023 average, according to a June report from BMI, an analytics subsidiary of Fitch Solutions.

The one European country that didn't seem to have benefited from Swiftonomics, however, was France, where hotel prices dropped, per the BMI report.

Swift still has 34 shows left in Europe and Canada, with the tour slated to end in December.

• The US is trying to shut down the Darién Gap, a land route used by thousands to reach its borders.
• It's paying for migrants' repatriation out of Panama in exchange for the latter closing the corridor.
• Hundreds of thousands of migrants pass through Panama on their way to the US from South America.

The US has agreed to fund repatriation for people who entered Panama illegally in exchange for the latter shutting down a main corridor for migrants traveling by land to the US-Mexico border.

"This program will help the Panamanian government to remove foreign nationals who do not have a legal basis to remain in Panama," the Department of Homeland Security wrote in a statement on Monday.

The funding will involve the US paying for flights out of Panama and "supporting training and capacity building to strengthen and institutionalize safe, humane repatriation processes," the statement said.

The amount allocated to these flights, provided by the State Department, was not announced.

The Associated Press reported that the new deal will see the US paying for charter and commercial flights to return migrants to their home countries.

It cited two senior administration officials who were not named, who also said Panama would choose who is repatriated based on its laws.

This agreement, signed by Homeland Security Secretary Alejandro Mayorkas, comes as Panama inaugurates its new president, José Raúl Mulino.

It will see Panama closing off the Darién Gap, a treacherous stretch of rainforest that at least 520,000 migrants walked through in 2023 on their way north. Another 174,000 people were recorded using the route this year.

The corridor, regularly plied by cartels and paramilitary forces, starts in Colombia and ends in Panama. It typically takes about 5 days or more of arduous trekking to finish the 66-mile journey.

Several popular exit points from the Darién Gap are staffed by humanitarian agencies such as Doctors Without Borders and UNICEF, who provide medical aid and essentials to the migrants but are increasingly overwhelmed by a growing influx of trekkers.

The Panamanian government has typically not repatriated migrants who enter the country via the Darién Gap, but it's been managing some infrastructure to house them as they pass through.

Once in Panama, many migrants continue their journey through Central America, crossing at least five transnational borders to reach Mexico and eventually making their way to the US southern border.

US border patrol encounters with migrants in the southwest hit record highs in December, with over 301,000 incidents logged. Nearly 2.5 million migrant encounters were reported in the 2023 fiscal year, and this year's numbers are on track to hit a similar level.

Authorities already struggle to manage the Darién Gap

Yet closing the Darién Gap is no small feat. In April 2023, the US and Panama launched a 60-day campaign to curb illegal migration from the corridor.

In June of that year, Panama assigned 1,200 immigration agents, border police, and naval air service members to target criminal groups that guide and exploit migrants traveling through the Darién Gap.

Hundreds of thousands still used the crossing afterward.

Mulino, Panama's new president, has vowed to solve immigration issues in the country. He announced on his first day in office that the country would no longer be "a path open to thousands of people who enter our country illegally."

Illegal immigration has increasingly come under the spotlight in US politics, particularly for Republican leaders who have accused the Biden administration of allowing border security to grow lax.

On June 4, President Joe Biden signed a proclamation that temporarily restricts entry for non-US citizens who enter through the southwest border illegally. His campaign highlighted that border officials' seven-day encounter average dropped 40%.

But managing the immigration crisis is proving to be a delicate political and economic balancing act. Biden previously came under fire from progressives for referring to a Venezuelan migrant charged with murder as "an illegal."

Several analysts also say immigrants have helped relieve a labor shortage in the US and that overly aggressive deportation programs, such as the one suggested by presidential candidate Donald Trump, would risk stagnating the economy.

• The Biden campaign said it raised $33 million after the first presidential debate of the year. 
• The campaign said that half of the funds raised came from first time donors. 
• The spike in donations provides some relief for Biden who is facing growing calls to step aside. 

Supporters of President Joe Biden may have been unnerved by his bad performance at Thursday's presidential debate, but that didn't seem to hinder his campaign's fundraising efforts.

"$33 million raised since the debate, $26 million from grassroots donors," Biden deputy campaign manager Rob Flaherty said in an X post on Sunday.

"Half! Of the donations made in this period are from first time donors. The Democrats grassroots is getting on board," he continued.

The spike in donations would certainly be a source of relief for the Biden camp. For comparison, former President Donald Trump's campaign said it raised $8 million the day after the debate.

"Thursday was our best grassroots fundraising day ever, while Friday was the second best," a Biden campaign official told CNN.

Representatives for Biden did not immediately respond to a request for comment from BI sent outside regular business hours.

Biden saw a similar bump in donations after his first presidential debate with Trump in the 2020 election. His campaign said at the time that it had broken its fundraising records when it raised nearly $10 million from 215,000 donors on the day of the debate.

But while the surge in donations will provide Biden with a welcome boost, it certainly isn't the home run the campaign needs right now.

Calls for Biden to be replaced as the presumptive Democratic nominee have grown after his underwhelming performance at last week's debate.

And when it comes to fundraising, Biden's campaign could also be losing its momentum against his GOP rival.

Trump's campaign said it raised $141 million in May, higher than Biden's $85 million in the same month. And in April, Trump raised $76 million to Biden's $51 million.

On Saturday, Biden donor and investor Whitney Tilson said he's reconsidering his support for Biden after Thursday's debate.

"If the man I saw at the debate is the real Joe Biden right now, then it would be a waste of my time and money to support him because he has almost no chance of beating Trump," Tilson said in an X post.

• Chinese electric vehicle makers hit record sales in June, challenging Tesla's dominance.
• BYD, Nio, and Zeekr saw significant year-over-year growth despite US and EU tariff concerns.
• Tesla faces pressure with declining sales but may rebound with China growth and Robotaxi unveiling.

Three Chinese electric vehicle makers hit record sales numbers at the end of June, which could spell trouble for Tesla.

China's biggest EV manufacturer, BYD, sold nearly 1 million electric and hybrid cars in the second quarter of the year, Bloomberg calculated. During the same period, Nio said it delivered over 57,000 vehicles — a 144% year-over-year rise.

Geely Automotive-owned Zeekr, which listed in the US in May, had a record June with over 20,000 deliveries — an 89% year-on-year increase.

Despite concerns about tariffs from the US and European Union, sales for the three producers were boosted by price cuts, the introduction of cheaper models, and Chinese EV demand from Russia, where Western competitors exited.

These numbers may make Tesla, and its once-dismissive-of-Chinese-companies CEO, nervous. The American EV giant announces its second-quarter deliveries on Tuesday. First-quarter numbers showed Tesla was hit by waning EV demand.

Analysts expect a 6% decline in Tesla's total deliveries from April through June, Reuters reported ahead of the official numbers.

Tesla has made big moves to lure back customers and reassure investors this year.

At the end of the first quarter, CEO Elon Musk entered the EV price war by slashing prices on select Tesla models. In the company's first-quarter earnings call, Tesla also announced a much-awaited cheaper EV. In late May, Tesla even offered Chinese customers a chance to tour its Fremont, California factory if they bought a car this summer.

"The fundamentals for Tesla are in a tricky position right now, and we generally expect negative revisions," Barclays analyst Dan Levy told CNBC last month. One of the company's biggest challenges is flat volume growth, he said.

Levy predicted an 11% drop in June-quarter deliveries, below analyst estimates.

The bullish case for Tesla

Despite Chinese EV companies' strength, one analyst is confident that Tesla is set for a rebound amid growth in China and the Robotaxi's unveiling, planned for August.

"We have seen some signs of stabilization in pricing for Tesla over the past few months as it appears the lion's share of the price cuts are now in the rear-view mirror," Wedbush analyst Dan Ives wrote in a note on Friday.

Ives, a Tesla bull, said that demand in key region China is showing signs of improving as customers realize that no more price cuts are coming.

Moreover, analysts have long said some American EV companies' real value isn't the cars themselves, but rather technology that could be sold to other customers.

"We continue to believe that Tesla is more of an AI and robotics play than a traditional car company," Ives wrote on Friday.

The same is true for American competitor Rivian, which recently announced a $5 billion investment from Volkswagen .

Software is one of Rivian's strengths, Goldman Sachs analysts noted in January — "a key part of the value proposition and monetization opportunity for Rivian."

• An Air Europa flight from Spain to Uruguay was diverted to Brazil after encountering severe turbulence.
• The New York Times reported that 36 passengers were injured, some with neck and skull fractures.
• This is the latest in a string of turbulence-linked plane emergencies of late.

An Air Europa flight from Spain to Uruguay was forced to divert to Brazil after severe turbulence hit the flight, injuring more than 30.

The Boeing 787-9 Dreamliner traveling from Madrid to Montevideo on Monday made an emergency landing at 2:32 a.m. local time at Natal Airport in northeastern Brazil, per FlightRadar24.

The airline posted on X on Monday: "Our flight UX045 bound for Montevideo has been diverted to Natal airport (Brazil) due to strong turbulence."

It added: "The plane has landed normally, and the minor injuries that were reported are already being treated."

The New York Times reported that at least 36 passengers were treated for injuries, and 23 were taken to hospitals, citing the Brazilian public health authorities. Some passengers had neck and skull fractures, per The Times.

Local news outlet G1, citing medical personnel on the ground, reported that several passengers hit their heads during the turbulence and suffered fractures, facial injuries, and chest pains.

Speaking to Spanish-language media outlet Telemundo, passenger Evangelina Saravia from Uruguay described the scene inside the aircraft.

"A person was left hanging between the plastic ceiling and the metal roof behind it, and they had to be brought down," she said to Telemundo. "The same thing happened to a baby."

Another passenger, Romina Apai, told Telemundo she was sleeping when the incident occurred. She heard screaming, then "there was the smell of blood" in the cabin, she said.

The airline said in later updates on X that passengers stuck in Natal were being moved to the nearby city of Recife, where the airline could provide "better service" to them.

Air Europa added that they would be picked up by another plane from Madrid, which would bring them onward to Uruguay.

The turbulence-hit plane had a capacity of up to 339 passengers, per Air Europa's website. G1 reported that 325 passengers were on board Monday's flight.

The incident is the latest in a string of turbulence-related plane emergencies that have emerged recently.

The most severe one occurred in May when a Singapore Airlines Boeing 777-300ER airplane encountered turbulence so severe that the plane dropped 178 feet in four seconds.

The flight from London to Singapore was cruising at an altitude of 37,000 feet over Myanmar when it was thrust up and down rapidly for 62 seconds, leading to one death and over 100 injuries.

Separately, on June 16, an Air New Zealand A320 flight ran into severe turbulence, which caused a crew member to hit the cabin ceiling and a passenger to be scalded by hot coffee.

Representatives for Air Europa didn't immediately respond to requests for comment from Business Insider sent outside regular business hours.