Assume the role of a mortgage advisor guiding a client through the process of saving for a down payment. Given your interest in homeownership, let's discuss how to effectively save for a down payment on a house. Explain the importance of a down payment, calculate how much you need to save, and provide a step-by-step plan for reaching your savings goal. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>