<prompt> Human: Hello Reddit! So my wife and I are moving back to America after living overseas for about five years. Because of saving and some inheritance we have a good chunk of money to get started on a house and a car. My question is, would it be better to put more down on a house or pay cash for a car? Edit: more detailsSavingsinheritance: 60,000Income: 40,000-45,000House budget: 150,000 Car price range 15,000-20,000 something very reliable, new job and new babyNo debt and good creditA lot of this is still flexible because we are a few months away from moving but just wanting to get a good plan in place.  <response>: 20 down on a house is all you need to avoid PMI charges 