<prompt> Human: Im 24 and living in a large city in Germany in an apartment with a couple roommates. I currently pay about 450 a month, including electricity, water, heat, trash etc. My living situation is becoming quickly unbearable and I really want to move out and get my own apartment. My boyfriend and I plan to move in together this summer, but hes not really in a position to move yet. I found a great apartment in the same neighborhood I currently live in, but for about 780 a month, including everything as well. Some more details:Take-home income per month is 1900,No debt,Transportation and phone bills covered by my companyAm I crazy to think I can afford this on my own? Any advice? Thanks in advance!Assistant: 41 of your income going to housing is definitely way higher then most people would recommend. You know if you can afford this, the more important question is it worth it to you personally to have so much of your income dedicated solely to housing?Human: Thats whats giving me pause. The percentage does seem very high and it definitely makes me a bit nervous, but when I put it all out on paper and look at my expenses, other than food and miscellaneous purchases I have none. Youre right, its a personal decision about where I want to spend my money, so thats something to think about.  <response>: The thing that sucks about being house rich and cash poor is that you become a slave to living there without other places to spend that money. Its quite an easy way to get into debt in the first place to cover any shortfalls in cash with credit thinking youll be able to tighten up next month and pay it off.If you have an ample savings, then it shows that you have the extra cash to spare. If you have zero or little savings, then it means you probably cant afford the more expensive place without making some lifestyle cuts. 