<prompt> Human: Me: 23. Prior-Military Marines. Currently a Software Developer for a small-to-medium sized B2B SAAS provider that has been in business for 20 years. Presently going to school. Annual Salary 35k. 1k Bonus last year, unsure of what the amount will be this coming year but seems likely Ill at-least receive something. I dont bank on my bonus, dont worry I feel stable here. Its been expressed to me that Im doing a great job, exceeding expectations, and that if I stay it could pay off financially. There are only 3 developers at the moment and we are growing both as a company and hiring as a development team so there is potential 5 or so years down the line. The area Im in SW VA, isnt bad for tech either.Bills: - Car Payment: None. Paid off car 99 olds cutlass. 49k miles. Running great. Just replaced brakes and rotors and will be getting new tires in a week.- Mortgage: Been here 3-4 years. Bought at 85, wdownpayment and regular payments am now at 64k. Refinanced last year to 15 year at 3.375. Comfortable here. I would only move if I received a MAJOR jump in finances or became married and we needed to move for family size. I typically pay 70 or so dollars extra month, sometimes more.- Child: 1. 5 Years old starting school this year. Custody every weekend. No child-care. Paying 300 a month in child support. Paying for dance lessons, paid 745 for a years worth. Worked out with her mother to start paying half of that for the years going forward. Not likely to have another child in the next 2-3 years minimum. May never have another one. 100 dollars a month for her college fund. Presently around 8k.- Misc: Internet 45ish, cell cheapish old phone with family plan. 1kish gym expenses annual martial arts fees and also allotments for equipment maintenance, and equipment for at home too. No CC debt. No school debt.- Insurances: Pay for dental. Employer provided health insurance. Cheapo life insurance policy 300 a year.Ok so thats a rough breakdown of me. Im looking at buying a beach house with my parents and brother. We are looking in the Myrtle Beach area and around 30 - 100k. Probably 70kish - 80kish depending on place and location. So that would be roughly 20k in debt for my portion and my parents will probably pay more of that as they pay off their part in the next 3- 5 years. Ideally this place will be completely paid off in 5 years or sooner.So my only debt is 64k for my mortgage. If I bought a place with my parents that would put me around 84k of debt. I have 5k in savings and 2.5k in my 401k.So should I do this? It would be within travel distance, being 6 hours away, of a regular weekend but even more so if I took a day off on either Friday or Monday. Im not the type who enjoys week long vacations unless it was to somewhere exotic but I would enjoy having somewhere to just get away every now and then.My biggest concern is I have no real desire to work for the rest of my life. At 23 Ive had enough of work, enough of commutes, enough of doing what I love making other people rich going indy is not really for me either. So Im trying to consider financial independence in this plan too. Although if we paid off this place in 5 years, Id always have somewhere to go if for some reason I couldnt stay at my home. But again, my home should hopefully be paid off by 32 and will definitely be paid off by 37.  <response>: I wouldnt do it right now for a few reasons. Buying property with people you arent married to often ends is frustration and anger I get the feeling that if you look at your line by line budget you dont have a ton of leftover money from your take home payA 2ndbeach home is really just a luxury, and on 35kyear with 300month in child support there is no way I would go into another 20k in debt for what is a grown up version of a toy.I would, however, put it on my list of things to do in the future. Youre only 23 and it sounds like you have some really good prospects to severely increase your income in the near future. Id focus on getting school done and getting into a software position that pays like... 60k - 80k a year with room for quick upward growth. 35k is extremely low for software development and waiting 5 years for potential increases is a really long wait, even if youre currently in college.After I got that sorted out Id just steadily save up some cash and buy a beach home without the parents and just my own dogma... without the debt. Keep the deal nice and clean and yours. 