<prompt> Human: Im 27 and I work on 100 commission. My 2016 biweekly paychecks will, post-tax, vary somewhat randomly between around 800 and 1700. I want to save 20k as a downpayment on a house, and its seemed impossible to even get started for at least a solid year now. I currently have 4000 in checkingsavings, with another 2300 in a diversified stock portfolio which hasnt been doing so hot lately - it is mostly aggressive. Ive also got about 7500 so far in my R401K, to which I contribute 6 to match mediocre employer contribution. I dont have an IRA.My monthly expenses are roughly 1750, with at least 1250 of that being absolutely essential rentcarfoodstudent loansetc.There are also annual expenses like car insurance and plane ticket for family visit to consider - probably at least 2000.It has been really rough trying to build savings. Planning through a bumpy income is difficult - I feel like I need to make snap judgments every two weeks. What should I do to get to that 20k downpayment faster?  <response>: I would try to budget my expenses on the 1,600 a month the low end of your bi weekly pay and save anything above that. Assume youre only going to be bringing in 1,600 a month and everything else is savings. 