<prompt> Human: I live in San Francisco, where homes are the most expensive in the nation. My parents bought their house in the mid 90s, and have since paid it off. My parents dont mind me living with them for as long as I like I plan to pay rent as soon as I can, so its mutually beneficial, so should i just forego buying a home and instead put that money into investing or starting a business instead of buying a home when I already have a stable home to live in? The thought of a 20 or 30-year long mortgage that will function as a ball-and-chain when I already have a home to live in seems kind of stupid, especially when I dont want kids. Another idea would be to buy another home just for renting out, but in SF, the laws are very biased against landlords. Assistant: How old are you? Being fine with living with your parents and not having children, are things that can change in a matter of days. That said, living with your parents as long as possible and by doing so maximizing your savings, is ideal from a financial point of view. It gives you a lot of flexibility as you can still buy a house a few years later and use the money you saved as a down payment.Human: im 24 years old. Being fine with living with your parents and not having children, are things that can change in a matter of days. whys that?  <response>: Life might happen. Meet the manwomandog of your life, become part of a cult your parents dont approve of,... 