<prompt> Human: I have a decent job in the bay area making about 75K a year. I pay for my own rent 1000 a month just to live in the city. I have around 40K in savings and it grows monthly. Im interested in buying a home in the next 5-10 years but everything is so expensive!!! Right now most of my savings is in a savings account with my bank some I put into a ROTH IRA. Now for the questions:1 What should I be looking to afford? 2 What kind of down payment should I be expecting?3 What is the best way to keep my money growing? Savings account? Bonds? etc.?4 Any tips for buying a home in the Bay area?Edit: Im open to looking for houses all over the any area. SF looks out of my price range for sure!  <response>: You can get a pretty good tent at REI for 300. 