<prompt> Human: I have been having a debate with my friend about whether she and her spouse can afford a 1-bedroom apartment in NYC.She 28 works for a non-profit with a very good 401k, earning 50kyr. Her husband 33 earns 35kyear as a cashier at an art store. He has been there a long time hence the wage - he has an HS degree only so doubtful he will ever earn more. He has no 401k and no retirement savings.She has about 50k in mutual funds and will likely see wage growth in the non-profit sector.Is it possible for her to buy an apartment in the next 5 years?  <response>: At that combined salary range, they are lucky to even afford to rent in NYC, let alone buy. 