<prompt> Human: So Im 23, 24 this July, Im married, and I have a 54K job which for the area I live in is fairly wealthy. I work at a State University so my job is very secure. I own one car that is completely paid off no loans. I have a 3bed, 2 full bath home that I owe 80K on 30 year fixed interest paying about 800 a month, house is valued at 96K. Outside of that I have basic bills electric, gas heat, etc. Outside of the home loan I have 0 of credit, student, or any other kind of debt, I paid everything else off.Now between my wife and I my total monthly income is usually about 4.2K a month. I usually have about 1.7K in expenses including groceries and gas, but this doesnt account for entertainment. I also already have a retirement setup, I put 7 of my paycheck in an IRA and my job matches that 7. I have about one months worth of expense payments in a savings account incase I something bad happens, but I am actively trying to build that up to around 6 months.I am currently looking to buy a large plot of land a build final home on it I found out to late how much I hate living in the city, and the guy that sold me the house really fcked me.---I feel like Im pretty much on the right track, but I constantly worry about it. I came from a pretty poor home before I had been homeless at one point so Im trying to make sure that doesnt happen again. Any advice one what I should be doing now, or in the future is greatly appreciated, as well as any recommendations on books to read, I just got through The Total Money Makeover by Dave Ramsey and am currently working through The Boogleheads Guide.  <response>: I think youre on the right track for sure. You bought a house fully within your means, you have a great savings rate. You will feel much safer once your emergency fund is at the point you want it to be at, and I would recommend prioritizing that over saving for the next houseland purchase. 