<prompt> Human: Im a 21 year old recent uni graduate and i am making some decent money. Currently living with my parents but i am planning to move out in a year or so after i finish paying off my student loans and car.I was planning to just rent an apartment when i decide to move out but my parents keep suggesting that i should stay longer and save up for a down payment and buy an apartmentcondo instead since mortgage cost will be less than rent and etc etc.It seems like a great idea and a good investment but Im reluctant to make such a big move mainly because Im single and young, and i may want to purchase a home in the future with a future partner, and i dont think i will want to be stuck with a mortgage payment and repair costs, etc.I do want to stay where i am, i highly doubt i will move away any time in my life. I still have some time to think about it but i want to make sure i am making the right decision.  <response>: What renting buys you is flexibility. If you dont want flexibility in geography or changing places due to horrible neighbors or whatever, go ahead and buy.Personally, youre 21 and who knows what the hell life will throw at you for the next few years. If you get a great job and they say they want you at their HQ who knows where or you buy a small place for yourself and then suddenly find the partner of your dreams and suddenly need more space.That said, in an urban area an apartment has the benefit of being able to be rented fairly easily so you may want to see it as a starter property and then change to an investment property if you want to move. 