[srmom]

My very strong recommendation to young people who are buying a house, if you are both working, is to try to get one that you can afford on only one of your incomes. Give yourself breathing space in your budget. When/if kids come along, you may decide that one of you wants to stay home or you'll find out that day care is equivalent to another mortgage payment! If one of you becomes disabled, you will still be able to make your house payments. If your spouse leaves you or you want to get divorced, one or the other of you will be able to afford to keep the house. The expense of kids is really unbelievable. I love my kids, but often think about how much more money I would have without them!

that is very sage advice