<prompt> Human: Hi PF,I am single, 27, live at home in NYC. I work in the accounting industry making 70k a year. I have a CPA license and will be getting my MST this year. My take home pay is approximately a little over 1,000 semi-monthly out of a 3,000 gross. The reason for this is that I am contributing over 30 of my salary to retirementinvestment accounts:- 20 contribution to Company stock max contribution Company matches 11- 6 contribution to Traditional 401k Company matches 3 of my salary max matching benefit- 6 contribution to Roth 401k- 2550 per year contribution to HSA account 106.25 per paycheck balance is invested in mutual funds Company provides 750- 112 per month for WageWorks Transportation benefit exact cost of the Metrocard 56 per paycheck.The rest are the cost of my health benefits and taxes fed, ssi, medicare, nys, nyc.I pay off my credit cards each month and approximately 35,000 in student loans. No other loans. Interest rates vary from 2-6, the majority being in the 5 range. I spend approximately 500 - 1,000 a month in misc expenses. Cash, I have 28,000 sitting around. My investments retirement accounts are valued at 66,000. I am looking to get married soon which I will have to buy a ring and pay for the whole wedding. I would also like to buy a multi-family house in Brooklyn for rental income but those are in the millions of dollars! However, even single family homes I cant afford. I dont see the appeal in coops so that is not something I would buy. How do you guys afford a home in NYC?? Any tips, suggestions, or comments about my savings?Thanks!  <response>: How do you guys afford a home in NYC??Earn way more than you do. Buy a house really far out. 