In the context of this article "start-up capital" could also be defined as "all of the costs associated with moving out on one's own: furniture, dishware, utens

In the context of this article "start-up capital" could also be defined as "all of the costs associated with moving out on one's own: furniture, dishware, utensils, etc." and would include a cash reserve for unexpected needs. This is beyond the monthly cost of rent covered by the term "housing."