<prompt> Human: I paid off all of my 29k student loans two weeks ago and am now debt free thanks rpersonalfinance. How do I go about saving up for a house?I am 24 years old and currently make 75,000. Retirement savings account balance: 12,959.92 8 updates Before-Tax Contribution 8 Roth 401kESPP: 11,410.31 this is for a seperate purchase I will be making in the future not relating to a property 10 taken per paycheckHSA: I contributed the max 2950My monthly take home is about - 3000 after ESPP, retirement, and HSA.Expenses: Mortgage: 600month I live at home with my mom who is a single mother. My brother and I help her pay the mortgage Utilities: 75 phone, 90 internet, 40-80 electric. Car Insurance: 300 every 6 months. I drive a 2002 Jetta and not looking to buy a car. If I do itll be a used Honda. Gym membership: 150 I do Brazilian Jiu Jitsu so membership is pricey Monthly Credit Card expense: 400-1000 monthly.This leaves me with about 1,000-1,700 monthly. Houses in my the area are about 500,000. Should I open a savings account and just keep the excess money each month there? Thanks you!  <response>: Should I open a savings account and just keep the excess money each month there?Yep. Thatll do. 