<prompt> Human: Hi pf, longtime lurker first time poster. Ive been seeing a lot of people I graduated high school with buying houses. Being a home owner is not one of my goals at the moment but I feel like I am nowhere near that step. Would greatly appreciate you looking through my financial situation to make sure I am on the right track for my age. Please leave any advice you can think of! I made 50,000 gross last year. I net about 2300 per month excluding HSA and 401k contributions as well as healthdental insurance.Budget:400month - Rent100month - Utilities300month - GroceriesEating out80month - Gas100month - Misc30month - HealthDental Insurance800month - Emergency fund500month - Roth IRA300month - Roth 401k including match200month - HSA contributionBalances:8.5k - Emergency fund12.6k - Roth IRA8.3k - Roth 401k7.4k - HSAI also own a paid-off 2014 Honda Civic.Total 36,800 saved  <response>: Your peers probably either make more money or are buying houses before theyre financially ready. A lot of people try to buy a house as soon as the bank will lend them money, regardless if its smart financially. Nothing about your budget seems out of line to me, but be aware that 500month to an IRA will mean you end up over contributing for the year. The max is 5,500yr, which is about 458month. 