<prompt> Human: Hello, Long time lurker. After one quick search of pregnant I see this is a much discussed topic so I apologize in advance if Im beating a dead horse but Im goddamn terrified and would like some personalized advice so lets get on with it.nbsp;Im 26. My gf of 2 years recently discovered she was pregnant. Shes about 7 weeks at the time of this posting. It was a surprise to both of us -- we took necessary precautions and yet it happened. Abortion is not on the table, nor adoption. And thats all Ill say about those topics as theres nothing worth discussing there.nbsp;I will add if theres any girl Ive been with who Id like to be in this situation with -- itd be her. Despite us only being together over 2 years. I just think its worth mentioning as I consider this a very stable relationship looking forward.nbsp;So financially, I dont think were that bad off truth be told. I make a little over 60k a year, her Im not 100 sure at the moment but I believe its somewhere around 35-40k. These numbers are pretax. We live in MN.nbsp;Now I currently dump 25 of my income plus 4 match into my 401k. I also max out my HSA about 115 per pay period. This leaves me with a take-home of around 1150 per pay period bi-weekly. Of this I typically take 250 per month and dump it into savings, for which my current balance is around 9k. I have no debt aside from credit card debt which I basically use as a debit for rewards pay my full statement every month.nbsp;As far as bills -- my car is paid off, so my only major one is rent. For which we currently bend over and pay around 1100 each month for. Out of that cost I pay the bulk around 900 plus utilities, while she covers the rest and most home food costs. nbsp;This is a 1bedroom apartment. I never planned on living in MN the rest of my life but most of my family is here. I was hoping to move away as soon as I had what I felt to be enough job experience to make the transition easy Im nearly there. Upon moving I planned to buy a house. With this recent development Im thinking we may need to stay here for at least the next 5 years once the kid starts school I dont want it to get moved all over the place as I was when I was a child; I dont think its healthy. Reason being my family loves kids and it would help tremendously with childcare costs. On top of that I think it would be good for it to be around family we have a large one.nbsp;So I guess the questions Im looking for guidance on boil down to the below:- Is it in my best interest to buy a house ASAP? Even if I only stay here for 5 years I think I would get a better ROI than I would renting an apartment or home. Plus I think its a better environment for a newborn.- If so, what are my options for mortgaging? Ive researched this a bit on my own but Id like advice from people who have been through it. With only 9k savings I dont know how great of a down payment Id be able to manage. Not to mention blowing all my emergency savings she has a good amount of money saved and could assist if we went this route.- My 401k... Id love to keep contributing 25 but I dont know how realistic that is going forward. Advice? Im thinking I may need to drop it to 4 company match in order to save up as much as possible between now and then. When the time is right I can bump it back up.- Her Health plan boils down to 1500 deductible 1k reimbursed by employer with 3k max OOP and 80 coverage in the meantime -- so end result about 2k max OOP. From what Ive researched Ive seen wildly different numbers for delivery costs. Is it in our best interest to put at least 2k into her FSA?nbsp;tl;dr numbers:My income pretax: 60kHer income pretax guesstimate: 35kMy takehome bi-weekly: 1100My debt: 0!Her debt: 0!My Current Emergency savings: 9knbsp;Any advice is much appreciated.  <response>: Definitely no to the house. You could stay in the place you are now for a while to see how things go. A baby doesnt take up too much space, keep the crib in your room or in the familytv room if you have one Or even find a 2bd apt. Without knowing how much your baby will cost, I would cut your 401k down to like 10-12 and beef up your savings account before your child is born. You can always start shopping for deals of baby stuff now. Bulk buy diapersfood and stuff if you find really good sales 