<prompt> Human: Hey everyone.I am looking to buy a home sometime in the near future. My lease is up in April, but I think its unlikely that I will be ready by then. I live and work on Long Island, which means home prices and taxes are expensive. The area that Im looking has an average home price of around 420,000 and taxes of about 6,000 a year. Its egregious, to say the least.Here is a preview of my financial picture: Annual Salary: 72,500 Each paycheck is roughly 1,900 paid biweekly 35,000 in savings 6,200 emergency fund My only debt is my car lease which is up in January, where I will purchase something used, cheap, and reliable.nbsp;And here are my monthly expenses: Rent: 1,100 Utilities: 150 varies, but this is a fair estimate Groceries and Eating Out: 150 Car Insurance: 135 This should go down a bit as my current car is pretty expensive Car Payment: 320 Will be gone in January Gas, Doctor, and other stuff: 150nbsp;The idea of coming up with 80,000 for a down payment feels so far off. And then, even still, monthly mortgage payments are 2,000, which is more than 50 of my current take home income. Ive been working in the same field for roughly 4 years Financial Auditing. Im very happy at my company as well.It feels so impossible to be able to purchase a house without joint income. I already work full time, but do you think its worth picking up a second job on the weekends to grab even an extra couple of hundred dollars a month? Im 27 by the way.Is it best to just keep saving for a few more years? If so, whats the best way to get the most out of my money? I currently get 1.8 from Ally.Thanks for taking the time to read.Edit: My credit score is excellent at 810.  <response>: Spending more than 50 of your house on just the mortgage is gonna make you house poor, then add on insurance, property taxes and then your maintenance fund is budgeted at 1-3 of your homes price. 420k home is gonna be too much for you. 