I take no offense! I’m working with a number of factors in this decision - I’m in school and it’s paid by work, and I’ve made the decision to buy a much cheaper house (which will put my monthly payments at a little above what my rent is).

Baby Logan and Wife are quite well, thank you!

Also, the Networth reflects all the bills and not all the income - I’m trying to keep focused on my debts at hand until they are resolved (which, at the moment, are student loans and one credit card).

It’s definitely something we’ve discussed and leveraged, but where we are at now (in terms of living situation) and where we could be with minimal adjustment (based off my old salary and lack of a second income) really offsets it.

And I *really* appreciate your opinion on this - it definitely keeps me focused on my tasks at hand (and our budget, and our planning, and our future).

Also, I mean no offense at all with this, but are you sure this is the right time for you to be buying a house? I ask this based on the fact that you are currently in school, expecting (congratulations, by the way), and according to NetworthIQ have a negative net worth.