<prompt> Human: First of all I realize I am very fortunate financially to be in a situation where this a possibility. However, I am very conflicted. Quick background: - Im 26 and live with my girlfriend of 8 years in San Francisco. We are both from the Bay Area and most of our close family is still here. - I like my job and make 75kyr - She doesnt like her job and makes 55kyr. Eventually she wants to go to grad school to become a physical therapist.- Our current rent is 2000monthSo heres the situation: I have the opportunity to buy a house in San Francisco come January thanks to 400k from my fathers Inherited IRA. My mom is a huge proponent of homeownership and thinks a downpayment would be a great use for the money. She also probably wants me to stay nearby. Aside from enjoying my job and a few other things, I have come to dislike just about everything that San Francisco represents my goal is to live a simple life where money and technology are not so important. I have only a couple friends still here and not nearly as much family so I am more flexible. Meanwhile, my girlfriend has built a very strong community here and has a lot of close family nearby. It kills me to think about putting so much money toward a house in a place that I dont want to live long-term, but I really do like the idea of buying a house. We would rent out a room or two to help cover the mortgage so we can put more into our savings and any future grad school costs. Theres also the possibility of renting it out completely later if we decide to move and are not ready to sell. Basically, I dont like the idea of committing to SF but moving somewhere else isnt an option in the short term. Am I better off buying now and using the money to help us transition to where we want to be in a few years OR keep the money invested and buy a house somewhere else when we are really ready to settle down?  <response>: Median home price in SF is currently around 1.1M, so, youd be financing 700k. At a 4 interest rate on a 30 year fixed mortgage, youd be looking at a 3350month payment. Are you prepared to spend 67.5 more per month on housing? I know you mentioned renting out rooms, but its not your roommates mortgage: its yours. 3350month is pretty close to your entire take-home pay at 70k not counting your GFs income. What happens if you and your GF break up? IMO, there are just too many uncertainties in this situation. I would not do it. 