<prompt> Human: Hey all, hope your day is awesome.Im looking for a little guidance and criticism as to what I should do here. My background:-24 year old male-Excellent credit, 750 score across the board.-60k base salary living in Seattle, about 3700month after taxes.-10,000 student loan debt 3.8-1,200 personal loan debt 13, used on a motorcycle-1k in combined checkingsavings-5 in 401k put away each year-2000 in combined expenses each month rentfoodcellloansetcI believe Im going to stay with my job or at least this city for quite a long time. Im looking to buy a house in the near future.Its unreasonable for me to have my motorcycle anymore, I listed it and will likely sell it for 3800. I plan on paying off that 13 loan right away. I use my credit cards as my emergency fund for now, not completely worried about this yet.I have not exactly started saving for a down payment yet, just paying off that personal loan and throwing some money at the student loans. I figure hitting the student loans is now not the best idea and I will likely see better return with my money in the long run investing in a home for myself.I have what will be about 30,000 in stocks after tax that will be vested in the next 16 months. I plan to use this as a down payment. I will likely see a bump in salary to 80,000 in the next 6 months as well, pretty confident here.The tricky part for me is I currently dont have a car and walk or take the bus just about everywhere. Where I want to move I will need a car. Car obviously comes first as I wouldnt be able to get from my new home to work, what would be the best option here? I assume taking another loan out before getting a mortgage is probably a bad idea.  <response>: I cant believe no one has said this yet, but please establish an emergency fund before you buy a house. An emergency fund is for things that you cant predict, such as losing your job, a medical emergency, getting into an accident and not being able to work while you recover, a death in your family, etc. When something like that happens, you dont want to have to worry about money, and paying 18 interest on a credit card would definitely be worrisome.You have 1700 left over per month. You can set up a 6-month emergency fund in like 7 months. Just do it! I agree with you that you shouldnt throw too much money at your student loans since the interest is so low. The other stuff sounds good!Also, Ive said this before but Im saying it again. Assuming youre single now and that going to get married before you start a family, your future wife will probably want to have a say in where you live and where you start your family together. Most people end up moving when they get into a serious relationship or get married so they can be in our place, rather than having her move into his place or vice versa. Personally, if you are single right now, I would buy a starter home or townhome or condo, but not a place to raise your future kids. 