Well I do live well within my means, I consider lots of things risks right now, though the rental property did come up once or twice in the past. I'll start my search next year, for now I'm saving. My apt is $404 a month, I have no commute so no gas is used (I'll be riding my bike most of the time), My car isnt old anymore, so I have a car payment. But my income/expense ratio is low, I believe my expenses are exactly half of my income with no OT. Sooooo... soon that savings acct I have will go a bit crazy with my modest lifestyle.

But thanks guys for all of the pointers and motivation. I just dont want to get into a home when I feel the need to go elsewhere. I like Ohio but New Hampshire is where its at for me.