<prompt> Human: Hello Im a 23 year old union laborer, my base rate pay is 36.58 an hour. Anything after 8 hours I make double time 55 an hour rounded all day Saturday I make double time, and all day sunday I make double time. 73 an hour rounded. This year Im working on average 60-85 hours a week and am guaranteed 40 hours a week at the minimum to close the year out. Last year I made about 85k but Im young and dumb and gambling got me good but thankfully Im past that. I have about 16k in the bank, credit around 730, and only one monthly bill. As of recently Now Im just a laborer so obviously Im not the brightest of the bunch, you can probably tell from my grammar, but realistically if I want to BUY and not rent a house, what would you lovely people that are good with money recommend my range to be? Thank you for anyone who tries to help, sorry again for grammar and lack of knowledge.  <response>: Find the cheapest house in the nicest neighborhood. Put 20 of the cost towards the loan and save an extra 10 at least to fix the house up.You can also be a landlord and rent out rooms or get some roommates, they can essentially pay the mortgage for you. 