<prompt> Human: For context, I just saw a comment on another post saying that someone with a household income of about 130k couldnt buy a house for 200k. There were other factors in their case but it made me nervous. I want to see what Reddit thinks of my plan and if I need a adjust my life goals.I am a public school teacher making 50K per year salary and another 3-5K in side jobs. My soon to-be-husband is a preschool teacher making 40K salary. We do have student loans but they are manageable at about 700month total. My share of that is 250 and Im trying to snowball the debt now. We are renting an apartment and pretty decent at budgeting. Never missed a payment on credit cards and easily save what we need to. He has a 401K and I have a pension with the state though I know Ill need to save for retirement separately, I do have a 403B set up and I plan to start when I have a higher salary in a few years. I am gauranteed raises over time. He is not- though he did get one- but for teaching at a non profit its a decent salary.We want to buy a home. Its hard to know what our base savings will be because we are using a chunk for our wedding, but we also anticipate some gifts so we dont think its going to deplete us below 10K in savings. We would like to skip a starter home because we want children in the next 5 years and we both fear getting stuck with a starter home in a bad school district. Because of the nature of our jobs and we also run a volunteer program locally there is a pretty narrow radius of where we can buy a home. The houses in any good district here are between 300k and 400k. Overall we out away 1,400 every month and plan to do so until we have about 80K saved. We would do a 20 down payment on a 300K house and likely use another 10K in closing costs and moving costs, leaving us with 10K upon moving from which to build up. There are some ways that we could end up with more money put away in the next few years. Right now my loans will be done in 2026 but thats without snowballing. Im going to get a raise for at least next year and then its up to the union. I also may or may not get summer work of about 3K in my teaching position, its sort of luck-of-the-draw. Is this insane? Does my plan not work? Tell me what I should be doing!  <response>: Usually mortgage wise, you want to be aiming for no more than 3x your annual income.90k a year is going to be a stretch for a 300k house and I would really not recommend the 400k house.Especially ifwhen you start having those kids and have to drop to one income while someone is on matpat leave 