<prompt> Human: Hello everyone. Ive posted here in the past about my current financial situation. However, several things have changed and would like some guidance or input on what more or less I could be doing.Debt:I wont beat around the bush, I have a lot of student debt. At the start January of this year all of my loans went into repayment and paying back the 220k student debt. I have been paying it off pretty religiously each month and had been doubling my payments every month between February to about October 5,000 each month until I started my 401k. Up until recently I owed 180,000 dollars in federal loan student debt that are spread across 5 accounts ranging from 5.x-6.x through Navient monthly payment: 2,125month. I had done the snowball method up until about October. I knew I would not qualify for the federal loan incentives and have consolidated and refinanced my loans to a private lender at 180,000 2.9 fixed rate over 15 years with the contingency that I bank with First Republic National Bank. My new monthly required payments are now 1,243month for 15 years, but I plan to pay 2,000month if not more. Im not looking for a magic bullet. As with everything, it takes time. IncomeDebtsSavings etc:I currently am working a job making 63.50 an hour and I work between a stable 36-40h week with very little room for advancement. Our contract has us increase our pay rate to 66.00h over the next 3 years. The job here is stable. From what I hear, new grads in my field are getting paid 5-10 dollars less per hour in a non-union job and because of a flooded job market so finding a new employer is currently out of the question. Lets just leave what I do at that as Im worried people on here will find out who I am IRL. I had skipped a 401k since starting my job in January of 2017 and didnt start funding my 401k until about JuneJuly of this year. I havent a single clue with how my 401k works. I just selected a retirement date of 60ish? My current contribution is 25 and looks to be maxed by the end of December. My returns so far appear to be around 4 good? bad?. As for next year, I expect my 401k to be maxed around end of August 2018 at its current rate.My take home: Pre-401k: 1800wk Take home working 36H: 1150wk Take home working 40H: 1250wk Current 401k: 15,500Emergency fundAssets: Chase Banking account: 5,000 Ally Savings: 14,000 First Republic National Bank: 16,000 - I need to keep a larger amount here loan contract though I can maybe shuffle around the distribution a little. Direct deposit: I put about 450 per week into my ally savings account, about 70 dollars into my Chase account and remainder into my FRNB account.Debt: Credit Card: No outstanding debt by the end of each month. 200-300 a month total Gas Cell phone random purchases money Rent: None - Currently live with family rent free I tried to offer to pay rent to family, but they declined and wouldnt accept my money Car Payment: None - Paid off car long ago and runs reliably.Lifestyle:I live pretty frugally. Ive tried my best to stray from lifestyle creep and successfully have done so thus far in my opinion. But here is the kicker: I have a single parent who has been diagnosed with cancer stage 4. It has been in remission for the last few months, but who knows how long it will be like that. I just pray for longer than not. This parent is everything to me and I believe in familial piety. I would gladly bankrupt myself and eat cheap store bought ramen day in and day out to keep a smile on her face if medical bills ever got to that. Ever since being a child, single parents dream has been to finally be able to afford a place of our own. Parent had a heartfelt talk with me before cancer was in remission and said that before their passing, parent would die happy if they saw me with a home. I feel like I may be able to give her that dream, however it is a race against the cancer clock. I live in a HCOL area where small homescondostownhomes are around 500K.What realistic changes could I be making? Is it possible to afford a home with my situation? Is there anything else short of buying bitcoin that I could do? I plan to see if I can refinance my loan again once I reach an arbitrary 100k mark. What general thoughts does PF have?  <response>: Your parent would see you comfortable in a home, not rushing in and be broke, I presume? Pay off debt first. It is emotional purchases that make our lives hard. 