Cycling is ten times more important than electric cars for reaching net-zero cities
(theconversation.com)
I think you misunderstood my comment. I was agreeing with you. If you're staying with family, that's almost certainly financially better than getting your own place. What I was saying is that you didn't answer the second option: What if you got a job closer to home? You don't have to answer it here, but I'd just recommend reviewing it by yourself.
If you make $40K/year, your 37km commute probably costs you ~15% of your net income. Getting a slightly worse paying job within biking distance of your current home could leave more money in your pocket.