get a 15-yr mortgage. the 30-yr one is a scam. Buy a small condo, hopefully work remote from lower COL (Sacramento even). Live small for a few years, then upgra

get a 15-yr mortgage. the 30-yr one is a scam. Buy a small condo, hopefully work remote from lower COL (Sacramento even). Live small for a few years, then upgrade incrementally over time. Most importantly, don't max out your budget, especially in rent/30-yr mortgage situation. Don't have your MS? Get it.