Speaking of IKEA, here’s a perfect solution if you have less space and even less money: With a $300 price tag, you can ease your way into committing to a loft bed just like you can ease your way out of your student loans. You can rearrange fit almost anything underneath this bed if you just throw away a few things like all those textbooks from the degree you gave up on. It might not look stable, but the wobbly legs will encourage you to focus more on yourself, since it’s not sturdy enough to have sex on.