<prompt> Human: Edit: Thank you everyone for your advice and feedback. I feel that there is a general misconception though that we are dead set on buying a home this year. While that would be amazing we dont believe it would be wise to do so before we have AT LEAST 25 20 downpayment 5 fees, other nonsense, on top of a fully funded 3-6 month emergency fund, even if it takes another year or so. We would also prefer to shoot for a 15yr fixed mortgage. This post was basically a feeler to see if we needed a reality check or are being over cautious. Sorry for neglecting to mention that and getting a couple people riled up. My fiancé is also a full time stylist, and while I am currently part time, I enjoy my job and am willing to wait it out not waiting for the boss man to give me a handout but work hard to earn it and I believe the benefits will make that worth it. Especially since I enjoy my job and can see myself staying there a while, add to that the work history we will accrue while saving up the next 1-2 years and I think that, in the end, we will be alright. Also her parents are paying for the wedding, whenever that may be. Firstly, I would like to thank everyone on rpersonalfinance for the insightful posts and apologize in advance for the wall of text and jumbled thoughts I tried my best. My fiancé and I are looking to get married and hopefully buy a house this year. At the moment our monthly budget looks something like this. We should both be making slightly more in the future but I like to run my numbers conservatively and dont want to count my chickens before they hatch.2,400 net income 300 tithe 640 foodgas 40 vision dental disability 40 Roth IRA that my employer matches 28 to 1,380 what goes into savings. My only debt is a 4,606 Stafford loan I took out for school and I currently do not owe on it until august since I paid a little over 1,000 in advance on it last summer.As of today we have 1,450 set aside for our emergency house fund. It would be more but cousin Murphy visited us in January and we collectively spent about a thousand on car repairs. My credit score is a 745 on mint and 742 on credit karma. My fiancé has zero credit but we have just been approved for a credit card in her name that will be used for gas, only gas, and nothing but gas and paid off in full every month to help with that as much as we can. At work I am contributing as little as possible 5 while still getting the max employer match 3.5 into a Roth IRA.We are looking to spend no more that 100k on a house, but would prefer to stay in the 80-90k as thats what I believe we could comfortably afford in the future. In theory we should be able to save about 15k by the end of the year, probably more given raises and a recent promotion but she just recently got promoted and there havent been enough pay periods for me to be comfortable assuming future income. She is a commission hair stylist so there is a little play in her check every week.One thing I was considering is taking advantage of my employers stock purchase program that lets me buy stock at a 15 discount using what Ive set aside for the six months prior and cashing that out when buying it. If I set aside the 20 maximum though that would only be a gain of about 400 dollars. Money is money but Im not sure that I want 1,200 tied up for 6 months, even if we do have around 7k in the emergency house fund. Is that paranoid of me or not?Long story short do yall think that buying a house this year is in the cards for us or that we should wait? I know that waiting another year has many advantages but I love this girl with all of my heart and we cannot dont want to wait for us to move out of our parents houses not living together at the moment and start our life family.Thank you anyone that took the time to sort through this and offer their advice.  <response>: You could stop tithing if you want to finish your goals faster.But theres no point in attempting to rush to finish this big milestone. Theres a reason its a milestone. Its not done by the time you are 23, usually. 