<prompt> Human: Hi guys, I have lived at home all my life and continued to do so while getting a job as a sub mailman. The way it works is you are hired as a sub and you move up as senior mailmenwomen retire. There are 14 routes and I just moved up from 4th sub to 3rd. It might be another 5-8conservative estimate years before I get my own route. The point of me telling you guys this is that my work isnt consistent and I am always on call. So my income is very variablemade 14k this year since April, took home about 11k, spent about 5k . I live in Az and a condo for 30-40k right now is a reality, surprisingly. My financial stats are: One CC: only a 6 month history, limit 1k, score on Credit Karma upwards of 700 5500 in savings before my next paycheck which will add to permanent savings another 500 at least. I try to save most but currently since I started this job in April Ive spent about 60 percentnew comp rig, new tv, other stuff I always wanted to do, beer, etc.I have a cell phone bill of 68 dollars a month which includes a data plan that I utilize the GPS on. I know emergency fund will be the first response here because Im a long time lurker but beyond that, do you guys have any suggestions at what savings point before pursuing a property I should reach if I max out my fund? I was thinking 25 down to skip the home owners insurance. My goals to find a place include the HOA being under 200 and just a decent areasmall sub 1k sq ft condo. Nothing else really. YesNo? P.S. I know renting might be suggested but that is not my plan. I am hoping to eventually buy another condo after this one is paid off and have 1 to rent out 1 to live in by the time I am 30. Ideally o.O  <response>: condoHAHAHAHAHAHADont do it - condos are the biggest scam out there. At 40k whatever condo you buy is going to be an albatross as this means no one else in the complex is going to be paying their dues, and at that price its very attractive to meth cookers. 