<prompt> Human: Im fairly certain that there is no chance that we, my partner and I, barring a miracle, will ever be able to own a home. But... I just need others to tell me that they agree, so that I can stop dreaming, stop hanging on to hope. Whats your intuitive assessment? ___ No savings. No rich relatives. No property or valuables. Credit card debt:14,000 Federal student loan debt combined: 250,000 Net income of 2 full-time positions with 3 undergrad and 2 graduate degrees: 45,000 Median home cost in my area: 264,600___Please, just cut my dreams throat --- youd be doing me a kindness.Thank you!Assistant: With these numbers, not only are you not going to buy a house but youre going to be bankrupt.You need to figure out how to earn a combined income of more than 45,000. It should be closer to 145,000. You need to fundamentally change your perspective on what jobs you can get and what is available. Theres no way that someone who has two graduate degrees is limited to earning only a little more than minimum wage.Human: I earn just under 20hr, thats twice minimum.Assistant: I am sorry I dont mean to be critical and youre probably not feeling great about your situation, but you need to take a realistic look at your finances and earning potential and figure out a way to make more from your degrees. Here is one example, you should be able to earn at least 60k or much higher.Not sure where you live but you should consider moving to another town or city that has other or better jobs. Your degrees might not help you in a small town with limited options. You are stuck with the student debt and you spent a lot of years getting educated and accumulating the debt and now you have to adapt your life so that you can make the most of those degrees.Human: Youre so kind, no offense at criticism taken. I fully agree that I should be getting paid more. But the fact of the matter is that, regardless of my degrees, they just arent offering more per year... unless you have many more years of specialized experiences than I have at present. If higher paying jobs were out there, Id be applying...  <response>: You need to change your definition of they and also which jobs youre willing to apply for. You seem to have a very specific idea of what job you want but I think that is too narrow and you are excluding other jobs that maybe you have not considered. 