<prompt> Human: More deets: We have 18k saved for a downpayment. The wife is a hairstylist making 35k ish a year -hoping to have kids soon. Ages 28 and 27. We both have car payments around 300 a month, mine for 6 more years hers for 2. Student loans are income based repayment at 650 a month, will go up incrementally. I will get contractual raises leading to 100k in 4 years time, maxes at 120k in 8 years. I guess the mortgage, mortgage insurance, homeowners insurance, will work out to be 1,500ish. We currently rent at 900 a month, lease is up in April. We are starting to get cold feet, and uncertain on getting a mortgage at 225k. A 30 year mortgage is scary as shit.Is it realistic I can get out of debt before 45 if we move forward with purchasing?Sincere advice is greatly appreciated.  <response>: Dont buy that house. You will be house poor. Youll be less likely to ever be able to put more money toward your debt. Youll regret the purchase as soon as you realize houses are such money pits - between improvements and unanticipated repairs. Seriously, its a bad idea. 