<prompt> Human: Im a single 25 year old who makes 78,500 a year in Maryland. Ive been trying to stay at home to save up for a townhouse, but its becoming increasingly difficult. Im not sure why, everything is the same but my family just irritates me. I dont know why. A big point of contention has been getting a cat. Ive always wanted a dog or a cat my entire life. Im prone to bouts of depression and nothing helps more than the unconditional love a dog or a cat gives. Ive been volunteering every day for the past year at an animal shelter. But it really irks me Im not able to adopt.My mom wants me to start looking for an apartment because shes about had it with me. I do not want an apartment, ideally Id like to get a townhouse or a condo. How far away am I financially from getting a place? It would likely be between 200,000 and 250,000.As of right now, I have 14000 in my account. My credit union Tower Federal offers 100 financing options with the APR under 4.2.I have no student loans or other debts. My only expenses are for food, gas, cell service, and online streaming. Upcoming expenses are health insurance and car insurance. Ill have to get health insurance through work since Ill be turning 26 soon, but I checked the rates and its 175 a month. I have an old car so I dont think car insurance should be too bad.  <response>: If youve never lived on your own, Id recommend an apartment as well. You dont truly know what you want or can afford until you actually live on your own. Buying something is a much larger commitment than a rental. 