<prompt> Human: Im 26 and if I keep saving how I save then I can buy a house at 33 with a good down payment. I want to retire when Im 65 and dont want a mortgage when Im retired  <response>: DUDE. there are people who NEVER own. there are kids who grow up in apartments. you are not a failure if you veins are clean and you try. buying a house is damn good, at any age. 