Sean is starting his first job and wants to move into a place of his own. He has found a 2-bedroom apartment within walking distance of work, where the rent is $800 per month; he would need to pay the first and last-month's rent ($1600) when he signs the lease. He has also found a 2-bedroom house in a neighborhood a little farther away from work. The house can be bought for $90,000, and he needs a down payment of $2,000. Monthly mortgage payments will be $900, including taxes and insurance. Sean has $3,000 in savings. He is making enough money to cover the monthly costs for the apartment or the house, but he really could use a new car, especially if he has to drive to work every day. Sean does not have any pets, works a full week (but no overtime), and enjoys working outdoors. He plans to stay with this job for about three years, then look for a job in another community (he's always wanted to live out in the mountain states).