<prompt> Human: Hey rpersonalfinance, so basically what the title says. What I made last year is 28,000 and this new position is a salary of roughly 50,000 a year. - My rentutilities are about 450m. - I put away 15 into 401k with my company matching 6 of it. - My total insurance costs are roughly 200m- I also put 50 a paycheck away into company stocks and currently. They also match 15 up to 1,800. - I dont currently pay my phonecar insurance but I want to take them over from my mom as soon as the position begins. My company also will pay for 75 of my phone bill. - I have about 4,000 in my savings account 2,000 in company stocks. At my company, there is tremendous room for growth and reliable job security. It is also very realistic that in the next 3 years I could be looking at another promotion which would increase my salary to 80k a year, but I would have to relocate most likely. As far as my living situation goes, I live with my girlfriend and 2 roommates. It is a monthmonth lease and my name is the only name on the lease I am free to sublease as I please, the landlords and myself are friends. The house is good value for the area, but still not the nicest place in the world. Im still looking to perhaps buy a home in the next 6 months, or at least move into a new home. I would be interested in renting out a room if I chose to buy, and also keeping the house if I am forced to relocate in the future. If I were to buy, I would probably be interested in a manufactured home. There are some very nice move in ready ones in the area for 80,000-120,000 land included, whereas many of the regular homes in the area start at 140,000 and have significant issues. My car is paid off, but it is having some problems and I will likely buy a more reliable vehicle for around 20,000. This will ultimately result in me taking out around a 8-10,000 loan after about 10,000 trade in. Basically what Im asking, is what should I do now? Should I buy a home now or just rent instead? Do I increase my 401k, and how much should I put into savings? Are there other things Im forgetting? Thank you!!  <response>: You could start saving to buy a home. Buying one would be a bit premature. Aim for 20 down. Congratulations on the new position. 