<prompt> Human: House Background information Divorced two years ago, bought ex-wife out of the house with intention of staying House was built in the 1920s - Roof and Furnace need to be replaced in the next 2-5 years Est. Roof expense 25,000 - 30,000 Shaker Shingles - 8,000 for furnace Been renting a room to a friend to offset some costs but hes moving out in September Bought the house for 380,000 - Resale value low end 399,000 top end 410,000 287,000 remaining on the loan at 3.2537; interest Monthly Mortgage payment - 2404Personal Financial Situation Take home income is 4500mo Renting room for 600mo 3,000 debt on a low interest credit card Im slowly paying off 150,000 in ROTH and 401K combined No emergency fund outside of borrowing from 401k No car payment, no gas expense, no cell phone bill Expenses; 95 - Water 215 - ElectricGas 250 - TVInternet 400 - Golf Membership Must Keep for Business 475 - Groceries, mealsentertainment 300 - Paying off credit card TOTAL 1735Total Income 5100 - 4500 wo roommateTotal Expenses 4139 I could cut out DirecTV 175, and some entertainment expenseNot a lot of wiggle room for saving and or building up an emergency fund, for roof replacement im praying for hail which is common where I live but if worse came to worst I could get a no interest loan for my parents if required.Should I consider selling the house and buy a more affordable house? Should I sell the house and rent for a while? I really would prefer not having another roommate if at all possible Also, would there be significant tax implications for selling my house and then buying a new one? Would the costs associated with buying a new house and getting a new loan be worth it? Lastly, for what its worth I have an extremely strong attachment to the house and have put in a ton of work into it and dont want to move if I dont have to.Overall just trying to figure out what my best option is here, any advice is greatly appreciated!  <response>: Thats a lot of house without roommates for your income. I would sell for a smaller place unless youre willing to find other roommates 