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Buy a house on my own or rent until marriage?

Long story short:

M27 been dating my GF 23 for 2 years next month. Before we met, my plan was to buy a house on my own when I got a decent paying job.

Well we started dating and we wanted more privacy from our parents, as we were both living at home. So I decided to rent an apartment and told her she could stay with me if she bought food and contributed to cleaning, cooking etc. She was going to nursing school so I didn’t want to stress about finances. I made the rent work but ended up losing my job and hand to take a lesser paying job. So I decided to not renew my lease and we both moved back home with our parents.

Well now, I’m making better money and while living at home, paying some debts off. I’m to the point now where I’m not sure what the best route is. I have some credit card debt so I don’t have a ton saved as I’m putting a decent chunk of money to my card each month.

Also, with the interest rates going up, my buying power by myself is pretty low. Back when they were lower, my buying power was pretty good. If I completely wait until my cards are paid off, I may be at home until I’m 28 or maybe even 29. Hopefully this spring is when they are paid.

So my main question is, what route should I take?

-Move out and rent a house or apartment with my GF and continue to pay down debt? Then really see where the relationship is headed as well.

-Continue to stay at home and pay off credit cards in order to get those down quicker. Then really start savings for a house that I can buy by myself?

-Or rent somewhere with the GF and wait until we potentially get married and buy our first house together? Our buying power would be very good since she is a nurse and makes pretty good money? Probably a combined income of $120k at that point.

I’m open to any suggestions or discussions lol

submitted by /u/AssistSubstantial639
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source https://www.reddit.com/r/RealEstate/comments/z8u6dp/buy_a_house_on_my_own_or_rent_until_marriage/
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