re: MB, I could use some general advice

I'd say the emergency fund is a little low. But remember, the more monthly notes you have open, the more $$$ you should carry in your emergency fund.

Here is what I'd do:
-Don't touch the $10k in your emergency fund and save up the $1k/mo and put it in your emergency fund until you get to the amount to pay off your truck in addition to the $10k you have.
- I'd not pay off the 0% car note- that is free money in your pocket).
- You can justify the emergency fund temporarily dipping back to $10k when you pay off your truck since that is one less potential bill you need to be protecting yourself from.
- Once the truck is paid off, the $1k per month you are saving plus the cash freed up from not having a truck note will give you a better idea what you can afford in a house. Plus you will have a better idea how much the new child will actually cost instead of just estimates.
-The emergency fund should theoretically be 6-9 months of living expenses and not just a round number. It needs to go up when your monthly expenses go up and vice versa. Work on getting that where it needs to be when you are down to 1 car note. Then, start saving for the house upgrade.
- Having a nice house is great but if that is what you want, keep in mind how much you will be clearing and be prepared to cut back on other fun expenses.

In my opinion, once you have kids, the most important thing to do is to try to increase your net worth each year. They are expensive so any progress you make for retirement and paying down debt is a win, especially when kids get older and more expensive.