Should I have mentioned my husband was finishing his PHd and was transitioning to his full time job by working part time for the first 6 months and I had a full time job? Interestingly, we were in a college town and staying as well.While we were in reasonable financial shape(no debt as I recall), I am glad we did not get the plethora of a advice in this thread. The poster has done his research but from the advice, you would think he was doing something wild and crazy by considering buying a house.I have three kids who are adults but no stories to tell other than two of them bought houses in their twenties. Two(one house buyer and one not) have majorly changed careers in their twenties. You can mostly do the right things financially and live a fine life. The living and enjoying is important. It's also entirely possible to have a financial plan in which buying a house is a higher priority than retirement.