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Reply to "How Much House Can We Afford? HHI 215K"
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[quote=Anonymous]OP, what were you spending money on in your 20s and 30s that you only have $50K saved!? If you don't have kids and want a house, you need to save until you have 20%. This shouldn't be hard -- DH and I managed to save $140K in our mid-to-late 20s on a $85K HHI! We're early/mid 30s now and only have a $190K HHI but still have more in retirement than you. This tells me you need to tighten your spending belt and up your savings. Look at your budget and see where you can be saving more. If you want to live in a good school district it's worth cutting some expenses now so you can buy where you want. Agree with PPs that childcare expenses are crazy (for two kids, it's essentially the same as our mortgage payment, if not a little more). Don't underestimate how much kids cost when figuring out how much you can spend.[/quote]
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