<prompt> Human: My fiance and I are getting hitched in May 2015, and we mostly I have been thinking a lot about the future, financially. Currently, we rent a two bedroom, one bathroom townhouse from my dad for under 600month. We will be paying for our wedding and honeymoon ourselves, but the low cost of rent is helping us save a good deal of money each month. In general, we have no investments other than 401ks and make about 55k combined yearly. After the expense of the wedding is out of the way, I desperately want to take advantage of the housing market by buying a house. It will take us a couple years to save up enough for a down payment. However, my husband-to-be desperately wants to start a family soon after we get married. Like, that night. I want to have kids soon too we will be 25 and 27 when we marry and want to get the ball rolling, but I have a house first, baby second plan, from a financial standpoint. I know this is not rgynecology, but what advice could you give about which major life expense should come first? Would it be wise to focus on scraping together the down payment money before having a child? Or does having a baby while saving for a house seem doable? Any help would be appreciated! Assistant: It depends. How much are you able to save every month right now? Do you have any debt? Then we can answer the question.Human: We are able to save about 750month right now. We are just putting it into a savings account at the moment whopping .06. We have student loan debt...combined it might be 25k? Other than that, no debt. We each have credit cards that we use for a rolling 200 that get paid off in increments over a couple of months for the sole purpose of building credit.  <response>: You can pay your statement balance in full every month, never pay interest, and still build credit. There is no need to pay interest on a credit card to improve your credit score. 