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In your case I'll probably drop the 5 mins tram ride and use the opportunity to jog to work. Exercise time can be saved from spending during night.

I'll also use the train+subway right for some serious study or relaxing depending on the day.

However have you considered borrowing a few hundred bucks from parents and find a rent closer? I'd be happy to do that for my kid.

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I used to rent, and I could take up renting again, but right now I'm saving up 90% of my income. Renting would make me drop that percent to the low 30%. And I don't work in IT + lower incom country salary wise, so I don't expect my salary to substantially go up any time soon. Why do I want to save money? To buy a house. Eventually. In 20 years. Done the math :(

Saving 90% of your income is great, but it's costing you a terrible commute. If you can use that train time for things you'd otherwise do in free time, maybe it's ok. Get your reading in, or your video games or some of your social needs (I made train friends and ferry friends when riding those regularly)...

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