re: In the market for a house...

You’re grossly underestimating your future expenses.

I make more than you and your spouse combined and I feel like I can barely afford my $325k house at 2.5% interest once I factor in household and personal expenses. You’ll be shocked how easy it is to have a couple consecutive months of having your AC die, your vehicle need a repair, and some other unanticipated expense and all the sudden you feel like you’re living paycheck to paycheck.