<prompt> Human: This may be one more post on buying a house and planning for baby. But, it has been a bit confusing on how and where should I start. Me and my husband are both 32 with about 125k per annum each. We both are working in both companies so far. With the health insurance, I contribute 12 on 401K and max on hsa. We rent a one bedroom apt for 1450 per month. We live in downtown area. I walk to work and my husband takes a train to work. So, we are running on an old car which he bought when he was in school 8 years back. We dont have any loans and no investments as well. I have 95k on my current account and 43k on my 401k. Husband has about 50k on his account. He sends 6k to support his support back home every year. We are waiting for our green card which should come next month from what the record shows.We used to shop a lot. We have managed to calm down a bit. We both love to travel and eat out. We do with full research though and use any coupons, deals, airbnbs where applicable. We are free birds now. No mortgage, no loans, no responsibilities. Life is good so far. But. Life demands changes. We need a baby as we are growing no younger. We need a house. Until now, I looked at my bank account and it made me smile. Now, I panic. The good houses where I live are at least 550k. I am looking for town house or single family homes as my in-laws or my parents might come for visit. They will be staying for 6 months when they come. So, a 550k with 20 down payment is already 110k. And then the baby will be pretty expensive as the experienced ones say. We will start trying on MayJune. We are planning to go on a Euro trip in spring next year before trying. We ordered a Model S tesla which should also be coming end of next yr. So, we will also need money for that. Redditors, someone show me the way!  <response>: You make 250kyear. Saving 110 for a down payment and getting a 550k house is completely reasonable. If it doesnt seem so, post your budget and people can give you advice. You just need to prioritize. You cant have everything. Having a baby on 250k is also more than reasonable. And theres no reason not to max your 401ks, IRAs, and HSAs at your income. 