 you know for things that pop up and yes home ownership or condo ownership in your case does come with things that you know you're on the hook to repair but in your case i think there's no reason that you can't start saving for a home now how much do you earn every month um 5300 after taxes yeah okay so here's the thing three years from today between now and three years if that's what it took or four years or five years if that's what it took to buy the next house to save up to buy the next house