I dream of a better lo life

But I wonder if i should go off disability and return to full time work? Stay on disability return to college for a hope in getting a better job? Or just try and get a different job that works with my disability?

Goals: Own a house, drive a nice car. Feel like i need to do so much to afford a house of my own. Seems I'm never in a good place to do it. I'm happy i live independently in an apartment. But i want to own my home.

Houses are a lot of work. A lot. Everything will cost extra and stuff will break. Utilities will cost a ton. You live alone, whst do you need the house for? You don’t need a house to live a good life. Not a bad idea to look for a new job that would work with disability. If you already have a degree, use that for a better job. Don’t borrow more money for degrees that might be of no use. If you can work full time and it will pay enough, it’s ok to get off disability. Otherwise don’t get off disability

I don’t know where you live but where I live (SE Mass) a starter house goes between 300k to 350k, plus. Utilities, property taxes and house insurance

For me, a better life is to be able to take care of myself financially and physically. I don't need a car nor a home. I just need to be financially independent and be able to take care of myself. Of 'course, buying a place for myself would be a dream for me. May be, if I earn enough money, I will think about it. For now, just paying the bills is hard enough.

You tend to jump around from thing to thing. Focus on surviving, saving money and paying of you debt.

I agree with Sarah.

My husband and I finally were able to buy a house in late 2018 after years of watching our spending and putting money away. We had no debt and both had full-time jobs with work contracts that we had been at for a while when we applied for a mortgage. Even so, we had to put 20% down to get a loan and be pretty flexible as far as location. It was worth it, I'd say. Our monthly mortgage+insurance payment is not much more than we were paying to rent a tiny run-down house and it feels good to be paying down the loan bit by bit. 18 payments down, only 222 to go ha ha! But it definitely took a lot of financial discipline. Without two incomes, it probably would have not been possible.

I'd focus on getting rid of the debt and putting away some savings.