<prompt> Human: 27, employed full time. Making 30k a year before taxes. Dont have any debt, which is great. But dont have any credit. Not sure where to start. How do I build credit? How did I get this old with out knowing how to do this? I have been looking into secured credit cards. What do I look for? How long am I looking at realistically, before I can have good enough credit to apply for a loan?Thank you ahead of time for answering to my ramblings. Assistant: How much money do you have saved? How about for retirement? How expensive is the house you want to buy? Are you married? What are your monthly expenses?Human: I have nothing saved. My mom was super sick last year and all of my savings went to supporting her. She is just getting back into work so I can start focusing on my finances again. I have not even dreamed about retirement... The homes in my area go for about 300-350k for a fixer upper. Monthly expenses, 1200 with rent and utilities, plus 200 to feed the household and pets. Assistant: You need to increase your income tremendously if you have your eye on 300K houses.Human: Well, I would not be buying alone. I have a SO who would be helping. He makes 38,000. I just want to know how I can increase my credit to be a good partner in this purchase. But yes, that is true. Welcome to California.  <response>: You still cant afford a 300K house making barely 70K a year. 