<prompt> Human: Cross post from rrealestate. Hi. Were a married couple looking to buy our first house in TX. By looking at our financial profile, can you give some advice on whether it would be wise to buy a house outright or take a mortgage? Current situation: couple in mid-20s, no kids do not plan on ever having them, zero debt. Expenses: 1750 rent including water, sewage, trash 100 phone plans165 car insurance 655 car lease payment 50 electric 70 internetPlus vacations, trips, clothes, dinners that vary each month. Income: combined, after taxes are withheld, we bring home 26K monthly. Due to our low expenses, we managed to save 450K so far for a house. The houses we are looking at are listed at around 380-450K, depending on the neighborhood. Technically, we could afford paying for the house in cash but we would be left with not so much in savings. Alternatively, we could wait a bit more, build some more savings and have around 100K leftovers after buying the house for unexpected expenses. My question is, are there any reasons for us to NOT pay in cash? We are first time buyers so any advice would be greatly appreciated. Thank you.  <response>: Money is cheap to borrow right now. Given youre both rather well off, you should both understand that you could keep the money invested and earn more money.. Probably 