<prompt> Human: 22 years old, outside of Orlando about an hour.Planning on buying a 130k house with my fiance. We have 33 k to put down on the houseWe both take home 45k after taxes.No debt.320 a month combined car insurance.No health insurance at the moment.No bills because currently we live with our parents.Ive never had any debt, but its coming to our attention that we can do a 15 year instead of the typical 30 year.My question is: should I do a 30 and pay it off faster? Or just go for the 15 year? Everyone I know is saying go 30, but I like the idea of getting it done faster.  <response>: Get a 30 year mortgage and pay it off in 15 years if you can. You can pay it off as fast as you want. But if you got a 15 year loan and lost your job, had a baby, career change, health expenses, then you could default and lose everything. Good luck. 