<prompt> Human: I am a single male, no dependents. I am just sick of paying money into rent it seems like such a waste. Also I dont drive, I can walk to work and I have about 7k in my bank account right now. Expenses are average, phone bill 100 rent 550 because screw renting a nice place. And honestly thats about it the sides food and wine. Basically, do I deal with debt first or can I save for a house now?  <response>: If I were to give my 23 year old self some advice 40 now Id tell him to find a cheap place to live keep expenses low, pay off all his debt, then max out his RRSPTSFA. Hed then be able to take a loan against his RRSP using the first time home buyers program. 