<prompt> Human: Keeping this short. 75k gross income. No debt at all. 70k equity in my current home. 30 years old and nothing in retirement. Family of 4. Is a 300k purchase price on a new home crazy? I like the 25 take home rule, but Id be closer to 35 on a 15 year fixed.  <response>: At 30, you should have about your income in retirement. I would be way more worried about that than trying to upgrade your house. 