<prompt> Human: Hello, I am 24 and trying for the life Of me to save save save and avoid debt.I only invest around 10 of my savings in stocks and the rest in sound commodities. My parents were always terrible with money and unfortunately the family experiences have taught me to despise everything debt is.The issue is I can live without cards and personal loans, but how do I get around not having a mortgage?Many around me are telling me that its just the way it is and Ill need a mortgage eventually, and its cheaper than renting. I find this hard to believe and want some different perspectives.How can I live a live without having to owe someone massive sums of money? It just seems so western to take out debt for a luxury like a house. Was there a time when one could just save and buy a small house, or am I doomed to have to take a mortgage if I want to succeed?Thanks!  <response>: I only invest around 10 of my savings in stocks and the rest in sound commodities.This is very unsound and poor investing strategy. You could save more and investing in any commodities is pretty much a fools errand for someone who isnt a day trader. 