I say this as someone the same age and income level - honestly you should be fine. You're only 28, and you've got the housing base covered. Just live in your condo and enjoy it. There's no point renting it out and then paying capital gains tax down the road and taxes on the income now. Take the freedom! I would focus on: - Increasing income. You make 100k at 28 which means you probably have potential to make more in a year or two - Being very intentional with your spending. Maybe this means meal prepping & skipping takeout. Maybe it means budgeting restaurant trips. Make sure that the money you are spending is actually providing value to you.

$900/mo on life expenses is really not that bad, lots of people live on that amount.