<prompt> Human: A Little Background: Mid 20s and Married No debt 30K in Savings Household income just under 90K SO has a 401K with a couple thousand in it. I do not have one doesnt match No Kids yet No living expenses at the momentLiving at homeWe are currently shopping for our first home and our absolute MAX would be about 215K. Around the 200K mark we can get a nice 1500sqft house in a nice established neighborhood. By the time we are ready to buy a house we should have about 45k saved and looking to put around 20k down for a house. We have been pre-qualified with an interest rate of 4.7. Should we go ahead and get a house now or work on building our savings up and start working on retirement accounts? Is the 4.7 too high? Sorry if i left any important info out.  <response>: Sounds like a good plan overall. Would want to have 6 months of expensives saved separately as an emergency fund first. This will be especially important for buying a first home as there often are unexpected expenses that you will come across. 