Thank you for the answer. > Everything is a terrible investment at the moment. "The best time to plant a tree was 20 years ago. The second best time is now."

Thank you for the answer. > Everything is a terrible investment at the moment. "The best time to plant a tree was 20 years ago. The second best time is now." comes to mind. But I agree with you, in this case right moment is very important. > So, don't take risks, but do whatever will make you happier. Does this mean it makes sense to wait for a few years, if so, how many? and what to look for? > For example if you don't like paying rent to a landlord.... I'd like to take the most efficient steps that would yield best result over 20-30 years. I'm pretty flexible in terms of "wall colors" Does it make sense to wait till marriage before getting yourself into home-owning situation?