<prompt> Human: Im 22 years old, I make 39k a year working full time. I have a bachelors degree not sure if that matters. I dont have any student loans, but make 700 payments per month for car, insurance, phone, health insurance. I live with my parents and so far have 2,500 in savings. BUT, i keep using my credit cards but pay way more than minimum every month. I have around 2k in credit cards. Is it possible for me to save up for a nice house eventually? Everyone is telling me no, that i can only afford something real small.  <response>: Not really, at least not with your current financial plan. You would need to save at least half the cost 150k since no mortgage company is going to give you a mortgage for 240k assuming you saved up the typical 20 for a down payment on a 40k a year salary. Sorry to bust your bubble. 