<prompt> Human: My wife and I were recently approved to buy a 400,000 house. Shes now has a house picked out that is about 40,000 more. She thinks we should put down our full savings as 20 down and that well be fine after that. How can I explain to her that this is a bad idea? Shes self employed and her income can change in a second. we make about 4,000 a month total. Dont know how we even got approved for so much.  <response>: A 400,000 house is way too much for 4000mo income, let alone a 440,000 house... 