<prompt> Human: Hello all,So Im noticing more and more that some of my friends are buying up houses specifically fix-er-uppers, despite having loads of student loans.Right now Im very blessed to not have any student loans or debt for that matter. Currently pulling in 42k gross, and stuffing as much into my emergency fund as possible usually about 500-600month, Im also tossing a small amount in a Roth IRA 100month.My EF is currently around 1500, however Ill keep going till its about at 3K. So Im curious if you think that I should just continue to sock away money in hopes of getting a decent amount of money for a down payment on a house. I live in a metro area and Ive looked at condos around 125k to 150k, obviously the big obstacle is getting a 10-20 down payment. However I could get around that within the next 3 years I believe assuming pay increases, and maybe tightening up discretionary spending.What do you guys think? Focus on retirement funds, focus on a down payment on a house, spend it on hookersblow?Theres a lady friend in the picture who has a decent salary mid-high 30s, also 23 yo, however its far too early to tell if that will result in a future double income. Were 7 months in, however by the time Id buy a house itd be about 3 12 years if we dont kill each other. So theres that.  <response>: Id generally pass on buying a home at 23, as your life situation is so likely to change in the next 5-10 years. That said, theres a big difference between someone making 100K buying a 100K home, and someone making 50K buying a 500K place. Different levels of risk and commitment. 