<prompt> Human: My wife 28 and I 29 are in the process of buying a home and we are trying to determine if we should extend ourselves a little bit to purchase a home we can grow into. We plan on having two children and a two bedroom is a challenge for four people. Id like to avoid moving again once the second child is old enough to sleep alone. We are ready to make an offer on a two or three bedroom in the same building but I want some additional perspective.Details: Assets 240k investments, 360k savings, 80k retirement No debt Monthly non-housing expenses - 2,000 Household Monthly Take home - 14,000 In addition my wife receives a 50k bonus take home each year 2 Bedroom cost - 978,000 3 Bedroom cost - 1,285,000 Monthly Cost of Ownership 2 bedroom mortgage, taxes, HOA, insurance - 5k Monthly Cost of Ownership 3 bedroom mortgage, taxes, HOA, insurance- 7kI like that one of our salaries can cover the two bedroom plus expenses. In the event that one of us is out of work we wouldnt need to dip into savings but we have in demand professions so I dont think job loss is a huge concern. In the worst case we could live almost 2 years without income in the 3 bedroom and almost 4 years in the 2 bedroom.  <response>: Im not going to give you advice on the personal finance, its pretty obvious you can afford both solutions.But if I were you Id stick with a two bedroom for now. You say youre planning to have two kids, and that tells me itll be several years before the second child is old enough to sleep alone. Your lives and preferences could be very different by then, and one or both of you could be in new jobs, which might mean new commuting needs. And if youre anything like myself and most other parents, you will want to have a garden for your kids at some point.So continue building your investments and savings, and enjoy the security of being able to cover your expenses in the unfortunate event that one of you is out of a job for a while. And then move to something bigger when and if youre ready for it. 