<prompt> Human: Current situation: My husband and I are living in a very serviceable house that I bought 2 years ago. Its in my name only we werent quite dating when I signed the contract on the mortgage. Now its a fine place, but we have been seeing it as a first-home type of property and have always intended to move out after 7 years or so for a permanent house this one is a bit on the small side and away from the center of the city. Since moving in, its value has risen by approximately 30k to 200k this based on the exact same model down the street selling within a day of being put on the market for this price. This puts the equity that we have on this property at about 70k I was able to put 20 down originally. However, Ive been looking around and came across a property that fits all of our criteria for what we would want--1800 square feet, near public transportation taking me to a carless commute of 20 minutes of walkingbus; he works from home, stylistically gorgeous, three bedrooms. Were seriously considering moving up our timetable to move to get this place, though its price is at the top of our conceivable range--350k.Details: Our combined annual income is about 105,000 before taxes, working stable jobs; about 5.5k saved in an emergency fundExpenses: 7000 to retirement accounts Im working for the state and have an actually-viable pension plan3000 or so in student loans left for him total, all at 5 interest1400 per month mortgage currently, plus 180 HOA fee the new place has no HOA160 average for utilitiesinternet per month150 for a cell phone plan per month200 in auto expenses per month insurancegasmaintenance--both cars paid off500 in foodentertainment per month60 in feline expenses per month300 in average travel expenses per month we travel about 3 or 4 times per year for marathonsNo kids and no chance of any unexpected arrivals.So, based on this information, are we being foolish in thinking that this would be a good purchase? Were quite willing to take on a roommate in some of the extra space.Assistant: Definitely seems affordable given your current situation. Id pad up the emergency fund a little first, to say 8k-10k. And make sure theres absolutely no chance of kids, because that is going to throw all your finances way off.Human: Were both men, so Im pretty confident that we wont have any unplanned kids :  <response>: You found a way to beat the system. Congrats! 