SUBREDDIT: r/relationships
TITLE: I [22F] want to move out however my Mum [50F] doesn't want me to.
POST: I'm a student at Uni, and my mum and I share an apartment.

My mum is generally nice and I know she genuinely has me in her best interest, that being said our personalities clash a lot and she can be a bit mean sometimes.

We've lived very closely together for the majority of my life due to me not having a father. We get in a lot of arguments. I think our relationship would do really well if I saw her regularly - but not a lot.

Despite this, I feel quite selfish because even though she has friends, she will be living alone and that might make her sad. 

I really like my own privacy and I am a very private person, I love alone time and I don't like living with her because I crave independence and I think living on my own would make me a lot more responsible.

I've (casually) floated the idea a few times to my Mum, and she's basically said something along the lines of "Don't be stupid, you could live with me for free" however I could pay a relatively small amount of money and buy a crappy apartment or pay even less and get a room mate. I have yet to properly propose it to her.

I live in a moderately expensive area in Australia and I have a source of income, however by no means am I well off.

Am I being spoiled by wanting to move out? If not, how should I  go about telling my Mum I need to move out.
My ultimate worry is that she will hate me for it and cut me off financially (i.e. not have her as a safety net in case something goes terribly wrong.) I think this is plausible however if that did happen my older brother could talk sense into her.
TL;DR: 
wanna move out and buy cheap apartment. mum says im stupid when i could live with her rent free. want independence and privacy