<prompt> Human: So as my post suggest I have 30,000 in cash savings. I also have a car loan, 25,000, with a good interest rate. I also have a 401k through work that I submit 11 5 roth 401k, 6 regular 401k of my income 75,600.I would like to know what the best option is for my 30k cash. A goal of mine is to own a house as soon as possible, because the market in Seattle, WA, USA is only going up. Average mortgage is 500k to 800k.Edit: Thanks for all the information. My car is a 2015 Acura TLX w tech package has 10k miles. From what Ive read it basically sounds like Im fucked. My options are save, make more money andor buy a cheaper house.I was hoping I could get some more out of the box ideas. Some of my friends work in real estate development investment and currently have an LLC. If I could make a decent proposal to them I could possibly increase my income. Any ideas?Also currently in china for work. So replies may be slow.  <response>: At your current salary, there is NO way you can afford a mortgage in your stated price range. Conventional wisdom says you can afford a house 3x larger than your annual salary. For you, thats about 215,000. Ive seen some really bad advice out there that says you can theoretically afford up to 5x your annual salary if you are super frugal and have no other debt. Thats not the case for you, but even assuming you had zero debt, that still only gets you to a 300k house.You will need to literally double your salary to afford a single family home in Seattle.For now, the smart thing to do is pay down your debt and start aggressively saving up for a down payment. Youre going to want about 100,000 in the bank to buy a starter house in your area. 