<prompt> Human: Hi PF, TL;DR Family too big for our current apartment so need to move soon, need to figure out if I should buy a condohouse or some solution. We make 160k and have 265k debt. What would you do in my position? Full StoryI need some help deciding on what the most efficient way to reach my immediate goals and what you would do in my position. I live in a small apartment that my family will outgrow already tight as it is when my next child is born 5 months away. Ive been looking for something bigger to rent but they are all about 2300month in my area. I have 265k debt 25k car 2.79 APR and 240k student loan 4-8 APR Dual income of 160k pretax 8000month after tax401ketc Monthly spending is around 4375 budget below for your reference My goals in no particular order: Buy a used minivan 2014-2015 model Buy or rent a bigger apartmentcondohouse Pay off the car student loan debt Continue saving for retirement What do you think my best option is? Purchase a condo for around 200k on a 15 year fixed Purchase a house for around 350k on a 30 year fixed Rent for about 2300 month Neither, I should do something else recommend something please BudgetBudget ----Rent 1,000.00Cell Phone 80.00Internet 50.00Spotify 5.00Electricity 45.00Car Insurance 62.50Renters Insurance 9.00Gym 30.00Gas 220.00Baby Stuff 65.00Food 500.00Car Payment 500.00Student Loan Payment 1,300.00Misc 500.00Total 4366.50Thanks for reading.  <response>: Advice portion, for what its worth: Similar situation and I went with a hertz rentacar sienna, got a 35k two year old model for just 18k and 40,000 miles. Most rentals arent worth the risk, but the people who rent vans are either parents driving slow like me, or people going to conferences and going slow... anyhow it was tremendously cheaper than private sale or used dealers, had super consistent maintenance and oil change records, and runs great.More of a sympathy note: I have three small kids in a 2 bed apartment and went through the same growing pains you are describing, about the same income. Last year at this time I was convinced the only way to stay sane was to get a big mortgage and a big place, and I convinced myself that the debt was worth it for my kids. After realizing that I was being led by irrational feelings, i ended up not buying or moving, and stead simply went on a minimalism kick and got rid of tons of unnecessary shit in the house. It made the space feel workable and efficient, and it set my mind at ease by decreasing mental clutter and consumer mentality. And to be honest the most unexpected but delightful outcome is that my kids love sharing their room, and we are all better off for it. Kids grow up just fine in fucking ice huts, tentyurts in Kazakhstan, etc. and that feeling telling you that more space is better for the kids is as far from your ancestors truth as can be. Good luck! 