 Because you're going to need a home. So anything that you can put towards that, it could be $20 by not going out to eat that day. You know, by bringing your lunch or taking canned soup to work, whatever it is. But just saving those little nuggets of money will add up for you. So saving your money is the first thing. Once you've got enough money and you think you're ready to buy, that's when you're going to want to go to a lender and get pre-approved.