<prompt> Human: Lately, my wife and I had a few disputes regarding whether or not we are ready to purchase a home we live in the Houston area. We are in our early 30s and have been living with my parents for the past 5 years due to their poor health condition. Our issue stems from the fact that my wife does not think we are saving enough and the fact that we do not have an emergency fund, plus we plan on having a baby within the next couple of years. I guess I would like to see what others think. The houses we like are in the 350k-400k range and we have been approved several times through my credit union and different banks. Ideally, I would like to put 20 down to avoid paying extra on insurance. Heres some basic info of our finances Our combined monthly take home: 7,200 Checking: 3,000 Savings: 90,000 were putting about 3k each month 401K: 90,000 Im putting 14 w 6 company match; wife putting 6 HSA: 2000 in a fund IRA: 2,000 sitting in money market Company stock: 15,000 3 from each paycheck Loans Car 1: 560mo matures in 8 mo Car 2: 340mo matures in 52 mo Living expenses food, utilities, gas, car insurance, cell phone, etc: 3,000-4,000mo Any comments are much appreciated!  <response>: If your wifes not ready youre not ready... 