<prompt> Human: Hi everyone,Im 37, recently single, no kids, and I just paid off my student loans and 2 credit cards. No financial help from family. I officially have 0 debt but only 500 in savings as of this post. Keep reading. My credit rating is great and my 2 credit card limits combined are in the low 5 figures range. I didnt make the smartest decisions when I was younger but I finally dont owe anything to anyone. However, at 37 I feel like Im arriving late to the party. My salary is 76kGross in Canadian dollars. My monthly expenses are 650 rentall inclusive, 60 cell phone, 120 a month to bus to work, sold my car 5 months ago. Food is about 400 a month, and free gym at work.I want to stop paying rent and start owning some real estate. A triplex would be an excellent investment however they run about 800,000Canadian in this area but the location is perfect. School, downtown, groceries .etc. Having tenants will help with the mortgage payments. A 20 downpayment would be 160,000... so now what?The younger people at work who own nice homes and condos had help from their parents.Where do I start? What do I look into? Any advice would be greatly appreciated.  <response>: You start by saving for that down payment. there is no way you can afford an 800k triplex, thats 10x your yearly salary 