<prompt> Human: Hello, due to my own idiocy, I ended up with a bit of debt, and zero savings. All the debt is now paid off. But I have no savings. I make a bit over 100k a year, and Im not sure what to do. I live in Boston, so even the cheapest housescondos are 350k. Everywhere around me people are buying, who earn far less than I do. I am not sure if they eating PMI or likely having their parents come up with a down payment.Im trying to save 1000 a month but at that rate it will be years before I can afford anything with 20 down. Ideas? Apartment dwelling feels like such a waste at my age, and my friends say their mortgage costs about as much or less than rent.Assistant: As nefrina said, we need to see a budget. You need to know where every dollar is going. If you use a debit card for purchases, things can slip though. Youre probably spending more than you realize. If you havent, try joining mint, or go through your bank statement and track every dollar you spent in a month and categorize it. You need to be surgical about it. It also seems you have a bit of Keeping up with the Joneses syndrome. You cant compare your finances with your friends. They may have assets and income streams that youre unaware of, or they might be financially illiterate. Its hard to tell just by looking at the surface. Thats why its called personal finance and not everybody finance. In any case, well need a budget before we can give you any advice. Human: It also seems you have a bit of Keeping up with the Joneses syndrome. Youre exactly right. I dont have a wife or kids, Im not sure why I want property, it just seems like everyone is buying. But what if I want to relocate?  <response>: If you dont have a family, theres no reason to buy a house. You have no idea whatwhere youll needwant in a house whenif you have a family. Just forget about it. Id be much more worried that you have no retirement saving at 34. Check your budgeting and start working on that. 