<prompt> Human: Currently renting an apartment near San Francisco a few cities away and ultimately Id like to purchase my own home in the future. Just started this new job a year ago and currently making around 40K net and pay increases annually. But the home prices in the cities around here havent gone down since 2007-2008 and most 2br 1bth homes are hovering around 800K near SF while similar homes in SF are over 1.5M. I dont see how itll be possible to purchase a home in the future unless Im willing to live 2 hours away from work but even then those homes in the outer parts of the city are currently hovering between 500K-700K.  <response>: Youre right. 40K will not enable you to buy a house in most major metro areas at this point. 