<prompt> Human: Edit: Line breaks to make it more readable.Hello PF, Im a regular reader here but this is the first time I post. I though Id come to this subreddit for advice because I really find the replies here very insightful.I am 27 years old, married, no children, and with a stable job. Ive been renting so far, and have been comfortable with paying around 13 of my monthly income towards rent in an apartment in downtown, and splitting the rest between a brokerage account and spending the remaining on living comfortably with my wife. I would say weve been leading a moderate spending lifestyle.Ive been told by almost everyone I know that I should stop renting because its Wasted money and that I can afford buying a house. But that idea terrifies me for a few reasons: a- The idea of being in debt for hundreds of thousands of terrifies me. What if I get laid off? What if we go through some medical emergency? Lots of what ifs. b- The thought of being tied down with a house is very unpleasant for me, at least for now, we like the thought of how, if we decide to, we can just finish our lease, pickup our things and go anywhere we want. We wont have that luxury if we buy a house. c- We dont want to sacrifice our current lifestyle in order to just get a house in the suburbs somewhere. But also we cant afford to buy a house in downtown to keep our current lifestyle.So what do you guys think?Some facts to help give a better picture:Our net joint income per month: 6KMoney in Checking account: 10KMoney in Brokerage Account: 75KCurrent Monthly Rent: 1800Note: Many people base their advice on getting a house on how things should change in the future Wife getting a job, getting promoted at work...etc. But I dont like basing important decisions like this on what Might happen in the future. What do you think?Thanks in advance everyone!  <response>: Sounds like you guys like the freedom that renting provides.Forget what everyone else thinks. If you dont want to be tied down by a house, dont worry about buying one. 