what do u mean by "i can't wait until our stock market goes up that's when we'll buy a house"?
do u mean u have all your funds invested into the stock market? if so, that's not too healthy, u should at least have some assets to fall back on if "the stock market crashes and we go into the real depression".
or do you mean that it would be a better time to buy a house when the stock market goes up? if that's the case, that's wrong. the best time to buy the house is now, while all the houses' prices are sinking into their all time lows where they are actually supposed to be. the mortgage rates are fluctuating up and down, but there are some days that it actually is really worth locking in.
look at it this way, the risk u are taking buying a house right now is, if the market falls even more than it is now, you will lose equity on your house. however, if it's the opposite, u buy your house that has already loss some money, but u aren't affected because the market is now gonna take a u-turn and u will achieve equity faster.
if you wait, and decide to buy when the market is heading up... u are 1 crazy person.
the object of the market is buy low, sell high. not buy high, and sell low, u'll lose your shirt off your back, nevermind profit.
u have no money, but u will realize the money u save living alone and not having to pay for other people's shit. right now, u don't have money but yet u are buying everything for the house u are living in, paying for utilities and etc. if u were out in ur own apartment, u wouldn't have to buy as much detergent, or when u buy it, it will last a VERY long time, compared to buying it and having 2 additional ppl using it. sure, u'll still have to pay utilities, but u aren't paying for the light other ppl turns on, the heat someone else is being used to warm themselves up, it's all for yourself. be a little more selfish and realize that there is a limit to being USED.