<prompt> Human: At 28, my wife and I are coming to the stage that were considering buying a house. Ive got a decent chunk of money set aside already, but Im beginning to question whether Im allocating it appropriately. Some back ground:-My salary- 62k commission approx 100k a year pre-tax. Income and job status are both about as stable as a sales job could be.-My wifes salary - She is a medical resident and earns 60k pretax. 30,000year of post-tax income goes to pay off med school debt 140k with 6 interest. She should be earning at least in the 160k range in about 3 years.-Were both maxing out employer 401k.-We have no other debt besides my wifes student loans.-Combined expenses are around 4500 a month.-Savingsinvestments: Rainy day fund is already secure. We have about 25k set aside in a money market account specifically for a house down payment, which is accruing only 0.4 interest. I also have about 30k in a brokerage account, which is essentially made up of relatively low-risk dividend stocks and a few low-risk index funds.-Were undecided on whether were having children. I know this is a very important point, but thats where were at. If we do, it will not be for at least 3 or 4 years.Ive currently been putting around 2000 into the house down payment. Were lucky to be pretty secure, so Ive just been going along with this pattern for a few years now. Now that were getting closer to actually purchasing a house, Im wondering whether I should just keep stashing down payment money into what is essentially a checking account. Would I be better off investing this more actively, say into an index fund or multiple funds?Based on our predicted income, what can we comfortably spend on a house? We live in an area that is relatively expensive and very in-demand. Any other words of advice based on my situation would be appreciated.  <response>: My advice would be to continue waiting and possibly get more aggressive with the student loans. Once your wifes income hits the 160-190 range, then go look for a house. 