<prompt> Human: The wife and I do just ok In a hcol city Seattle. Both in our early 30s and feel we should be doing better. We dont have any debt, but still dont make enough to actually by a home about 120k combined. Any ideas about were we should move dome of our resources to to jumpstart us financially? Heres the lowdown:30k In 401k150k in cash Wife has about 50k in overseas bank account 7k In hsa  <response>: You cant afford to but a home? Or you cant afford to but a home in your preferred areas? There is a difference. 