> My current plan involves saving for a few years and dump a good chunk of cash into a down payment That's exactly the on-paper ideal for how one comes to buy

> My current plan involves saving for a few years and dump a good chunk of cash into a down payment That's exactly the on-paper ideal for how one comes to buy a home here. With rents soaking available income, and a high average debt load because of education costs, most young American's now struggle to see any non-negligible growth in their savings until later in life (if then). If you have substantial savings and anticipate growing it further in the near future, you're already winning the game. You're fine.