<prompt> Human: Hi everyone,I am a little lost and confused as to what the next step in my life should be. I am 22 and have no debt to speak of. I do own a credit card but I pay it off every month I live in a thriving city and would love to own a duplex so that I may own a home and have someone else pay the mortgage for me figuratively speaking I have a small savings that could possibly cover part of a downpayment but not all of it without taking out a loan. Any suggestions?  <response>: This is incredibly vague. So you can really only get vague answersSave money and get a mortgage to purchase the house or pay for it in cash. 