<prompt> Human: I make 27k a year and have 10k in an account with Raymond James. My significant other wants us to buy a 40k house at a lake about an hour away from where we live and work. Ive never been to this lake, but were going this weekend to check it out. He wants to use part of the 10k to put the down payment on the house. He makes 70k a year. From what hes looked up, he thinks we could be making really low mortgage payments around 200mo or less. We would make the house our primary residence. Is this a financially smart move? Is my money more likely to grow in a Raymond James account or in a property? Since we have no other emergency fund at the moment, I feel like the best thing is to keep the money in Raymond James, wait a few years while we save up and then look to buying a house. Assistant: Modest income? Check. Modest savings? Check. Inconvenient, unfamiliar location? Check. Not your idea? Check. Circumstances are not favorable.Human: The location isnt that inconvenient. Its on the way to my family. Its only an hour away. Wed continue renting where we currently live and use that house during the weekendsholidays. But still not my idea, checkAssistant: You said it would be your primary residence in your post. Human: I meant for taxes  <response>: So youre going to commit tax fraud? 