<prompt> Human: So Im in a pickle for finances, Ive never been good at saving, at all. I currently live at home. I make 70k working in IT. Id like to think Im pretty good at what I do. I literally live in the IT world. However I have no idea what to do with my money. I only have 2k in debts that Im guessing I should pay off quickly just to raise my credit score. I currently save about 1.5k a month, but realistically i can move that up to 3k. Im very interested in purchasing a condo somewhere under 200k but is that really the smartest move for someone my age? Is there something high risk that MAY lead to high reward?  <response>: You probably dont want to a buy a house unless you can afford the down payment, and plan to stay in it for five years. Of course circumstances and situations vary, but that allows you to amortize fixed costs of buying selling over a longer period of ownership.My sense is that relatively few 21 year olds are ready to buy a house, and if you have to ask if you are one of them, you probably arent one of them. 