<human>: I moved back home for the past 3 years to pay off student debt and save for a down payment on a house. I'm making 70k/yr and so far I have paid off all my debt (student loan and car) and saved 20k for a down payment. I have also put in 30k for retirement into TFSA and RRSP (Canadian versions of IRA and 401k). Now I've been dating my GF for a little over 2 years and she has a big student debt (40-50k) and still 1.5 years left of schooling. She also lives at home. Before I consider marriage, I would like to live together for a least a year. We do spend most weekends and a couple weeknights together, but having our own place to do chores will test the relationship further.

So here's my dilemma, do I stay at home (approx 1.5 yrs) and continue to save up until I get a 20 - 30% down payment; Then go buy a house and have her move in? Do I save up that down payment then rent a house/apartment with her for a year? Or do I just get married and buy a house together. FYI: Houses to support my lifestyle around here are 280-400k. I do not want to buy beyond my means. Renting will be around 1200-1500.

Give me the gist of the text in a nutshell
<bot>: Ready to make next step with GF and/or buy house; not sure whether to continue to save at home or rent an place.