<prompt> Human: Edit: title should have said this year :Im 25 years old. I earn 72,000year before taxes. My company puts 12 of my earnings into a 401k account without taking any money out of my earnings and I earn an additional 16 annual bonus on top of that.Right now I have 30,000 in liquid savings and 10,000 in my 401k retirement account which wont be fully vested for two more years. I have 20,000 in student loan debt but that is my only debt car is paid off. My credit score is in the upper 700s.Im thinking about buying a modest home in the 150,000-190,000 range that I plan on living in with maybe renting out a room or two to my brother.Is owning a home this early in my life a wise decision?  <response>: How stable is your job? How much do you like your job and the area you are in? Do you like to fix things and do projects? Can you afford a house that is close enough to where you work that you arent spending a ton of time and money on a commute?Owning a home isnt a terrible idea if you love what you do and where you are, and your job is solid. There is a lot to be said for renting in terms of the freedoms it gives you as well. 