<prompt> Human: Im very proud of myself for getting to this point. I am renting a one bedroom apartment, married since last year, not planning on having kids for a few years, and really we are just saving for a down payment on a house. My goal is to buy a house by the time Im 35.  <response>: Its not really age based. You should think about in terms of, how many months of living expenses do I have saved up? or how many months can I survive without a paycheck, just living off of this? 