system
A chat on subreddit /r/me_irl
human
They’re more than a mortgage payment now. My options and I know not everyone has this option is to move back in with my parents at 34. Pay little rent and save towards a down payment because at this point owning a house is cheaper.
gpt
This is the reason I ended up buying even with home prices soaring during the pandemic. The cost of renting was higher than what a mortgage would have been.

Granted I was lucky enough not to have much debt and was able to save over the past few years, and I recognize that not everyone is as fortunate.