Agreed, buying a house right now is not a good idea. Renting might be better right now, but it looks like you've worked around that. 1. Pay off all loans and d

Agreed, buying a house right now is not a good idea. Renting might be better right now, but it looks like you've worked around that. 1. Pay off all loans and debt, if you haven't already. This includes student loans and credit cards. 2. Max out retirement accounts (401k, roth) and health savings accounts. You might want to talk to your employer's HR department. 3. Be generous. Donate some. Get a receipt and save for a tax write off.