I'm probably not being coherent. Dentist appointments do zat.

Step 1: Have a character (#1) who lives with friends of family
Step 2: Have another character (#2) that is legal age of independence or whatever it's called.
Step 3: Have #1 be freeloading at #2s residence because #2s dad (#3) is the aforementioned friend of family
Step 4: ???
Step 5: Profit

Step: 4.5: Make an offer to others if they want and the owner of #2 doesn't feel the groove, maaaan.