<prompt> Human: So I dont need a house, my rent is pretty cheap. Im still only just in my twenties but I have 0 debt and make 100k a year. Im unmarried and have no kids but would like to one day. Since, mortgages are cheap right now, does it make sense to buy a house even if I dont particularly need to?Financially, ASSUMING your tenants arent maniacs it will help that I would live there too, if I buy in a semi decent neighborhood Im in Boston where there are several areas undergoing gentrification wont I end up with at least half my mortgage covered by tenants?I feel like I should do something more long term with my money rather than just watch it compound slowly in my bank account, which is nice but doesnt really change how I live. Is this smart or am I just blindly following the urge that all Americans have toward owning bricks and mortar regardless of meaning?  <response>: Since, mortgages are cheap right now, does it make sense to buy a house even if I dont particularly need to?No. The fact that mortgages are cheap means that the sticker price increases due to more people being priced into the market. As a high earner with no debt and no financial obligations otherwise, saving for a home purchase outright when mortgage rates rise and prices fall is the ideal situation for you. 