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[quote=Anonymous][quote=Anonymous]OP you want stretch... This is us:

Me - 78k
DW - 47k
Total - 125k

Home : 550k

Down payment : 5%
Mortgage : $522,500

Mortgage: ~$3,200/month

Student loans payment between the two of us: $1,500/month

1 credit card at 0% we are trying to pay off before 0% expires (8k).

And it used to be worse... Things got so tight that we made the bad decision of cashing out my 401k from my old employer to pay off:
- car note 12k at $480/month
- 42k in credit card payment that was $800/month payment 
----> 42k + 8k left above were for fertility treatments.

2 operations, 4 IUI's, 1 miscarriage and 2 rounds of IVF we are 13 weeks pregnant.

So yeah for a minute it was really tight as in literally paycheck to paycheck. Using my old 401k while not recommended allowed us some breathing room!

Our only remaining debt is the mortgage, student loans and the 8k at 0% interest.

Yes we stretched and it almost broke us!
[/quote]

I hope the pregnancy works out for you. We are still renting, but have 2 younger kids and I am a SAHM. 
How are you going to pay for childcare on top of $5200 must have expenses? [/quote]

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