<prompt> Human: I just turned 30 and still leave with parents. No wife no kids. I obviously want to move out. Debating on using current savings plus saving more in the next few months for a down payment on a place. Or using current savings plus next months income to wipe out student dept. Monthly income 2.8k401k: 26kSavings: 10kRent: 300Student loan : 200 12k remainingCar is on the way out, 290k miles will buy used or rebuild motor for 1800.  <response>: You dont want a mortgage if you only have 10K in savings.You can move out and rent for a while. 