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@bentleychris23 It's great to save money, and by saving now, you should have more flexibility in the future - which can make a big difference. Looking to buy a house in 3 years is a great goal - as long as you don't get too attached to it. There's a lot that can happen in 3 years, and it's...

@mssonya84 The upside for OP includes equity and a house that will be paid off in ~11 years - and the 3% 401k opportunity. And the challenge is within the 6500 in monthly expenses that wasn't broken down. And OP's family's challenge is to reduce expenses in order to live on their income - less...

@ayla17 It may sound like a crazy long shot - but what if one of you stayed home with the kids during the week - and found a weekend, or evening / weekend job? The 2k for day care is a budget breaker, though you do have several budget breakers in play. (and this may make it possible to sell a...