<prompt> Human: Single income family of 3, soon to be 4. We have a child who is 16 months old. We currently live with my in-laws. Im 27, and shes 26. 28k in my checking account 20k in her checking account 7k in roth IRA -- I contribute 3, and my company matches up to 3 4,200 a month in monthly income in a very steady job that averages around 5 annual raises No debts No CC, student loans, car loans.. nothing to the world. 400 a month to in-laws for living with them Stay-at-home wife Rent in the entire area, not just our town, averages 2k a month, usually without utilities! Houses in our area averages around 450k in the low-endWe live in an amazing school district in the northeast of the US, and wed like to stay here. We can get more bang for the buck in terms of owning a place if we went to surrounding areas, but not only is our town safe and close to a major metro we were ranked in the top 5 of best citiestowns to live in the US by this magazine that Im sure youve heard of, but we want to stay close to our family as well as put our children in the great school of our town.If we bought a house, my parents could help us out by giving us a down-payment. So even though our assets are worth 48k I dont want to touch our IRA for a house, none of it has to go towards buying the house.Ive done the rent-vs-buy calculator. It says that after 3 years, buying is better. If we purchase this 2 bedroom; asking price: 346k. Should we just buy this place as a starter home? Should we try to save through renting-- wed love to move out after our child is born in February-- and invest what we have? After 3 years when our son begins school, buy in our town? Nobody rents in our town. Should we put more than 3 into our roth IRA even though the company only matches 3?I just need some guidance, and everything in the sidebar is very overwhelming for me at the moment.  <response>: For your income youre an amazing saver so congrats on that!That being said, I make 50 more than you and wouldnt dream of 400k for a house. Im sorry but your income is far too low. 