conversation: User (SF100789): "I am attempting to start saving for a house.  I am hoping to be able to purchase within 3-5 years. I am currently 28 y.o. and renting.  My financial situation is stable.  I paid off all CC debt (thanks to this sub) and my only remaining debt are student loans (45K).  Currently, I teach HS students and am making this year just above 60K.  Minimal expenses other than rent, ~1K (living with two other people) and the cheapest gym I could find ($20 per month), car insurance ($80, I have to see my parents often), and groceries.  What else can I do to increase my savings for this home? I have a Roth IRA (Started this year, again thanks to this sub), I go out every so often, but am not throwing my wallet all over the place.  I work over the summer teaching, I do over time like crazy, I coach the softball team (an extra $3500).  Any advice?"
  Self: "You're going to need more income.   You'd need more like 100K to qualify for that in any reasonable fashion, property taxes in New York can be very high."
  