<prompt> Human: Hi all! Im a 30 year old male, making 48K a year. I was recently given the opportunity to move into an apartment at 620 in downtown Boston. The move itself makes perfect sense - its super close to work about 20 minute walk which would save me roughly an hour and 40 minutes. My monthly income is 2,692 and my total expenses would be 1,986 if I were to live in this apartment.My brother is against this idea. Years ago we my brother, myself and his girlfriend thought of a plan to all save enough money to purchase a house. The goal is to save 30k in 2 years, with all three of us contributing 420 a month. My question is, does it make sense for me to move out on my own and rent essentially throw my money away through renting, or do I bite the bullet and move in with my brother and his girlfriend with a house thats equally divided? Im lost and would appreciate some input!  <response>: First, its been said a million times, but needs to be reiterated renting is NOT throwing money away.Second, buying a home with your brother is something that I would personally advise against. What happens when one of you wants to get married, or his girlfriend decides she doesnt like living with her SOs brother.Third, I dont know Boston real estate, but 620 a month for a downtown apartment within walking distance to work sounds like a STEAL. This could not be the case based on the neighborhood, but price alone that seems great and is well within your budget. 