<prompt> Human: Edit: Thank you so much for all your thoughtful replies. You all provided some great advice here which I appreciate. ---Hi there! Thanks for all your help so far over the years. Previous Post: Based on your great advice, we are looking to buy a house. We found one that is perfect for us, in a great school district and only 30-40 mins to work.House Details The house is 330,000. We will put down 66,000, and after closings costs, will have 40,000 in savings. Cheaper homes seems to have more hidden costs such as work to be done on them and the monthly mortgage costs seem to be negligible. This is a newer home that is mostly move in ready. Property Tax is 6,000 a year and Insurance will be about 1600 a year. Ive estimated utilities at 7,000 - 2,500 a year for electric home has solar panels; I will assume the 20 year contract which is 0.12kw hour cheaper than the local co which is 24cents per kwhour and 2,500 a year for oil est. 1,110 gallons per year and 700 for other services septic cleaning, chimney sweet, boiler cleaning. I estimated higher in the event oil goes back to 4 a gallon. Cant be too careful. Question House Can I really afford this and be comfortable. Kids How can I ever have kids? Daycare alone is 1,600 a month which would equal all savings. : General I feel like we make decent money, but looking at these numbers is depressing me. We currently save 2,700 a month so this will be a 1,000 hit per month.Thanks so much in advance! Heres all the details:DetailsMarriedPerson 1: 32, Full-Time Employment, FICO: 810Person 2: 32, Full-Time Employment, FICO, 801Location: MassachusettsNo debt.2 Cars, Fully PaidExpensesDesc. 2015 Totals with 2016 Estimates with a New House------Morgage, insurance, taxes 24,000 29 of net or 19 of grossElectricWaterSewer 7,000Car Gas 2,500Car Insurance 1,500CarTransit Expenses 2,000CableInternet 1,650Cell Phone 1,616Grocery 6,576Restaurants 1,680Streaming Services 500Medical 60.00Clothing 1500Gifts 300.00MiscHome AmazonWalMart 3,500MembershipsEntertainment 1,100Petty Cash ATM 1,200Charity 300Travel Vacation 6,000Est. Savings and Expenses Desc. 2016 Monthly Estimate------Est. expenses per month 5325Est. savings per month 1611Income Income 2015 Total------Person 1 Gross 52,000Person 1 MedicalDentalLife 1,954Person 1 403b Contribution 2,017Person 1 403b Employer Cont. 4,437 included for informational purposes, not included in totalsPerson 1 Net 27,328Person 2 Gross 73,000Person 2 MedicalDentalLife 2,920Person 2 403b Contribution 1,461Person 2 403b Employer Cont. 7,308 included for informational purposes, not included in totalsPerson 2 Net 48,553Combined Gross 125,000Combined Net 83,000TotalsDesc. Total------Net. 83,240After-Tax Expenses 63,900Savings Net-Expenses 19,332Person 1 403b 40,000Person 2 403b 88,000DebtLoans 0SavingsChecking 140,000Down Payment 69,000Closing Costs 15,000Moving Expenses 15,000Total One Time House Expenses 100,000Total Remaining in Bank 40,000pre house and post house purchaseDesc. Pre Post Difference------------Monthly Net after tax, 401k, health 6,900 na naMonthly Expenses 3,600 5,325 1,725Monthly Savings 2,720 1,611 -1,109 tg  <response>: Jesus Christ, yes you can afford the house. 