<prompt> Human: Financial situation:I make about 13kmonth, wife makes about 2kmonth. Expenses per month include 2k for daycare, 750 for car loans, 2300 mortgage, 850 for wifes student loans. Groceries, cell phones, storage, and other random expenses add up to about an additional 3k. Owe 260k on the house, 90k on wifes student loans, 4.5k in revolving debt, and the cars are a 0 interest loan, so Im not concerned about those now. Have about 15,000 liquid right now, as I spent a long time in a low paying job that allowed me to get this now higher paying job. We lived off credit it was planned as carefully as you could plan to live off credit for about a year or so, just maintaining the debt - but all of that is now paid off. Ive been in my current job situation for about five months.Personal situation:Im 27, married with two kids, and weve simply outgrown our 1100sqft townhouse. I work from home as well, so we have had to move things into storage just to fit into the house. We want to move further away from the city and into a larger house with a yard, at a cost of about 440k, or a little over 3,000 a month in mortgage. These are new homes, financed through the builder at a pretty great rate. I have Navy Federal, and they couldnt come within a whole point. Wed be going the FHA route.We should be able to sell our house and walk away with around 20,000 after paying the realtors fees.If we move, we cut the 2kmonth childcare bill to about 1k, and some expenses like storage go away. Our insurances would drop lower crime, more rural, and the houses are new, so the upgrading and fixing weve been having to constantly do on our 30 year old house would be gone.Im pretty sure we can afford it, but its always scary to commit to an amount like this. Do you think were in good shape to make the move? Would you, in my situation? I feel like Im just getting a handle on our finances again after recovering from the low paying job. Give it to me straight, guys.  <response>: You have 15k liquid and are hoping for 20k from the sale of your current house. I dont see how that can translate to a down payment closing costs on a 450k house. Additionally, while some expenses will go down, utilities taxes will probably go up. Also, a bigger house usually means costs for some new furnishings.I do think your income can support a mortgage of that size, but I think you need more cash on had first. How much extra are you currently saving each month? Do you have a budget? 