<prompt> Human: A little background: no debt, 800 credit score, no car payments, Contribute 15 to 401K, have 9 months worth of emergency funds. Highest expense is paying rent to parents for room. All other expenses are for food.Monthly leftover is probably around 2500 a month.Basically, followed most of the advice here on personal finance, especially the flow chart. By trying to save for downpayment on a house, minimum is probably 130k for Bay Area. At my current rate, I will have to save another 4.5 years to afford a 130k downpayment for a 650k home. However, houses here cost 750k and beyond. Moving out of the Bay Area is not an option so...either increase salary or continue saving? Lower 401K contributions to save faster? Live fast, die young? Retirement doesnt seem that appealing as humans continue to deplete resources by multiplying. I may be ignorant  <response>: Retirement doesnt seem that appealing as humans continue to deplete resources by multiplying.What? Also, what? Even in the bay area you can find starter homes in the 400k-500k range. God I hate the tech bubble, not for any economic reasons, just for the kind of weirdos it creates. 