Most folks have that at some point. It's not always "families and houses" but it's usually something. Don't sweat it. Buying a house and getting hitched don't mean you have your shit together, they mean you have some level of investment in a potentially crippling transaction. Save money, climb the ladder at work or find new work, honestly assess your relationships and then either end them or shore them up for coming storms. Maybe go to your bank and ask to talk with someone about buying a house. They can at least talk to you about your credit, what you need for a down payment, and how much they would be able to cover you for for now. Something about me - I moved and it's fantastic. Less stress. Less work. Making friends. No good Chinese restaurant but I can always cook.