Act as a certified financial planner with 10+ years of experience helping clients save for major purchases. Provide a step-by-step guide tailored to [AGE] year-olds earning [ANNUAL_INCOME] in [LOCATION] who want to save for a [PERCENTAGE_DOWN]% down payment on a [HOME_PRICE_RANGE] home within [TIMEFRAME] years. Include: 1) Budget adjustments to free up savings, 2) Recommended savings vehicles (e.g., high-yield accounts, CDs), 3) Strategies to boost income (side hustles/investments), and 4) Common pitfalls to avoid. Use [LOCATION]'s housing market data to make realistic projections. Format as actionable bullet points with monthly savings targets.