<prompt> Human: My significant other and I dont make a lot of money roughly 60k. We have about 9k in debt i have another post here about it between the both of us she was laid off and we had to resort to my 4k in savings plus credit card debt. Anyways rent is not cheap where we live,Miami. We have been living in a 1 bedroom condo for 950m. IF we were to buy a townhome around 100k with an FHA loan our payments would be LESS than renting. I know its less than an ideal situation for most of you here but I need constructive criticism of WHEN I should consider a home instead of renting..? I was thinking I paying down half the debt and save up for a down payment. Thank you all for your opinions and please dont be so harsh on us.  <response>: When you two have stable incomes and are reasonably sure your situation location, family size, relationship wont change for the next 7 years. 