<prompt> Human: Ive been teetering on this decision most of the year. Between me and my fiance we make approx. 70kyear 45-me, 25-her. We have no debt between the two of us and own both of our cars, so literally zero debt and about 10k in the bank. However she is pregnant due early part of next year, and Im not sure she will return to work right away, which obviously drops are income.With that we decided to wait on the whole house thing until maybe later next year once the baby is here and we know for sure what are income will be. I can most definitely afford our current expenses on my own, but Im a little more hesitant on having a mortgage with an MIR and taxes and probably an HOA, etc. It starts to add up. But with the feds increase the interest rate yesterday and hints that it will continue to go Im wondering if it would be worth taking the plunge, rather than waiting?  <response>: Im wondering if it would be worth taking the plunge, rather than waiting? about 10k in the bank. Im not sure she will return to work right away, No. This has bad idea all over it. 