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[quote=Anonymous]OP here...yep, it would take me 22 years and 1 mo, to be exact. Re: the mortgage, a few banks (fewer since the housing crash) still offer what are colloquially referred to as "doctor loans", which account high debt/net worth ratios based on our statistical job security (barring obvious outliers). Doesn't mean it's a great idea to take on one of these loans, just that it makes home ownership possible. I'd rather wait and do it when we can afford it, though.

Regarding $800/mo discret income, yes, it's low, and we don't always meet it. For example, last month I sent a nice housewarming gift to a girlfriend and we went over. But generally our expenses our low; I only drive to work and we walk everywhere else (hence the high-rent area), groceries at Aldi (but I eat at the hospital when I work), etc. But it will be hard to stay at this rate. I also need to address my social life and some point, and that always means more $$ going out. I will try Mint.com to track things. Great idea.[/quote]

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