re: MB, I could use some general advice

quote:

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But I think your emergency money is on the low side.

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to me this depends more on the stability of your income(s) and your credit situation. $10k is a lot if you have a real stable job and enough credit to absorb a financial hit.

as for the OP, if you really want a house, i'd start putting money away for that rather than paying down the 0% debt. and i wouldn't wait until you have 20% if it was me. if interest rates are going to go up (which i think they are), and you are right about home prices going up, it pays off to get in ASAP. PMI sucks no doubt. but the lower rate you get now may more than make up for it. and if home value goes up as much as you think, you should be out of it relatively quickly.

also, don't forget to start saving $ for kid's education