<prompt> Human: Hi pf. 33m here. Between paying off debt, saving 18 of my net pay 13 of gross, and an ongoing attempt to get an emergency fund off the ground, I cant fathom how people do these things AND pay 50k for a down payment on a house. How exactly did you do it? Did you slow up on your retirement contributions? Throw every bit of savings you did into the house pot? Pay less than 20? Im trying to wrap my head around it and coming up short. Thanks for any replies.  <response>: TBH, parents gave it to me. 