<prompt> Human: Ive been spending a lot of time lately thinking about finances and working on raising my credit score, and wondered how any of you homeowners or any, ever were able to save enough money to put a decent payment down for a home. How did you save? What worked for you?  <response>: Most people need 5-10 years to save. Some people have a generous family.I saved for my first year out of university and had generous family. 