<prompt> Human: Im a college student and I dont want to waste money on renting whatsoever. I have a beautiful girlfriend that I plan to marry, and we both want to stay in the state with our jobs and our house. We are planning to buy the land 3 acres or more with a small house already on it, that accommodates both our drives to our respective jobs. Then build on the already foundation, or live in the small house and build new on the same property. I have always known I dont want to pay to rent, and most people say that their rent is pretty much the same as a house payment anyway! So my question is, how do I go about that? Am I making the right decision? How do I go about it? Any advice? Anything will help Reddit! Thank you so much! Im excited to hear responses! Edit: All the replies have really opened my eyes and it does make a lot of sense to me to rent for a year or so until i know I can stand on my feet! Thank you guys! It really is a huge help!  <response>: most people sayAny time your rationale is well, most people say, its more often than not going to get you in trouble.Buying a house without a down payment will cause you to waste more money than renting will. Between higher interest rates charged on riskier loans loans wo a down payment, PMI and the higher interest charged on the larger balance because you dont have a down payment, youre going to be personally paying the salary of a bank teller with all the extra interest and fees.This doesnt even go in to if you buy a house with 0 savings after closing e.g. no emergency fund, youre going to be up sht creek when the AC goes out or the hot water heater rusts out and floods the basement. Answer there? High interest credit card debt. None of which youd have renting.EDIT: Obviously some exaggeration here to make my point, but you get the gist of it. 