<prompt> Human: At the moment Im obsessing overs numbers and struggling to make decisions. Im late 20s, unmarried and childless looking to move out for the first time in my own. Im pretty good at doing research and have a lot more to do but I feel like that doesnt hold a candle to real experiences Reddit can enlighten me with. Ive been focused on apartment hunting with a 1 bedroom in my area costing 1000-1500. Then the idea of buying comes about and part of me doesnt see why I wouldnt try. Ive seen a few places in the area for 150,000. Ideally, owning would be better. I even hate the idea of leasing cars because it pains me to see money vanish without return. I have a hard time spending it, which is probably a good quality to possess. I dont HAVE to be out of my home but the 30s are approaching and its a little daunting. Id also rather stay home than have a roommate, at least the first year out. Dont have any plans to move from my state, credit was at 800 when they pulled it for my car a few months ago, 1700 credit card with no interest til December.Money in da bank: 22,000 nest egg 10,000 in another savings 6000ish in savings bonds that are soon to be fully matured 3000 about to be rolled in an IRA Take home pay is around 2660 a month Monthly expenses include: 635 for student loans those will be around for a while, it is what it is 225 for car 265 for healthcaredental ugh, I know 140 for car insurance 150 small rent charge to parent that would obviously go away if Im on my own Foodlifegas are additional depending on if Im being a hermit that week but again Im frugal Id really appreciate another pair of eyes on my numbers. Feel free to give me a harsh reality check into the ground. Assistant: I dont think you can afford a 150k house with all your debts given your income. You would have no money left over each month. How much do you owe on student loans and the car? Your situation is completely different once that money is freed up.Human: Unfortunately the student loans will be around for a while. Im a little embarrassed by them but thats my reality for the next 20 years. Car will be done in 5.5yrs, the loan is around 14k. My main concern is that if Im paying rent Im throwing away half my income for the month. If I were to dip into this nest egg Im sitting on, I at least have the possibility of having a month payment that is 1000, which is hard to find rent in this area. Then I have an actual home I can get return on later.  <response>: Close to a 13 of your income every month is going to your student loans and car so until that changes itll be hard to afford a house around 150k. 