After reading through the thread, I'll add my $0.02.You make 80k, so I'd aim for about 20k as an ER fund (Three months of pay checks). I'd also try to fund the Roth IRA along the way, for both yourself and your spouse. IIRC, the rules changed where a non-working spouse can make a full contribution. Once the ER fund is established, this could help pay for the car. I go for new but I keep them until they just can't be fixed anymore. In my life I've been involved with 4 cars that have gone 100k+. The last thing I'd worry about is the house. Yes, it's nice. But until you get on a little more sound financial footing you could wind up in trouble. Biting off more than you could chew if something were to happen. Sign for the mortgage and next month lose your job.JLC
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