Last I checked having 30k saved when I graduated from college 6 months ago isn’t poor spending habits.

Current car was bought in a rush at age 20. It was a bad decision but I was in school and needed something to get me through my doctorate. Current car got me through my doctorate but it’s time for a replacement

I’m glad you liked your video. We personally are not a huge fan of the videos and like photos more. Our prospective venue is under 10k for all the food/alcohol/venue/reception. So we’re right on budget for that.

Car is going to be 28k or less. Which is how I got the monthly payment with the 5k down.

Most homes being sold where we live have newly repaired HVAC. I browse listings daily and ~70% of the homes have had their HVAC replaced in the past 3-4 years.

We have 12k down and 10k for closing for the home. So 22k total. 10k might be an overshot for closing.

I’m looking at cars costing 28k or less after taxes and fees. Not looking to buy myself a Tesla or anything. Just a reliable vehicle.

1. Wedding is going to be 25k or less. It’s a smaller wedding.

2. Car has lots of problems I am not fixing as I’m done putting money in it constantly. New car will be purchased after we have keys to the home to not impact my DTI.

3. Where we live we can get a 3-4 bedroom 1.5-2 bedroom home for 250k or less.

Thanks for the support with the car, I feel I’m being chewed out for that. My current car was a bad rushed decision when my old one died and I was a broke soon to be grad student. I’m trying to avoid a rushed car decision with this one on the fritz which is why I’m looking to get a new one before the current one officially dies.

As for the house, we have a large dog which makes renting very difficult. Most places charge $100+ a month extra in rent for our dog. Our current rental is a small 2 bedroom and we are bursting at the seams. Not only are we bursting at the seams but our landlords don’t fix anything and we just come home and hate where we live due to it. We’re ready to own something that’s ours that we can repair our own and make it ours. We’re spending more and more time and money out of the house because our current rental just doesn’t work for us.

When it does die again I’ll be stuck with no transportation. My car has left me stranded on multiple accounts. I’ve put nearly 10k of work into it and I’ve had it less than 5 years. Every time I take it in (6 months or less) I’m given another 2-3k in repairs. I’ve had mechanics and tow truck drivers tell me it’s a money pit

An unreliable car isn’t either

Fiancé wanted to take my last name lol. We are 100% on the same page with me keeping my maiden name. It helps me stay connected to my heritage and I have a doctoral degree and that’s the last name I got the doctorate with so it’s sentimental in that name. The cherry on top is for my job changing my name is a pain in the ass.

Care to elaborate?

It could need another. The dealership and a private mechanic said the same problem could happen again

Hyundai Elantra. NEVER buy a Hyundai. The engine in it is faulty but never recalled. Worst decision ever

5% down on the house. Moving will be done via family as it won’t be a far distance, we have all the home essentials already. Car will be purchased after we close (unless my current one dies) so our DTI will be lower. Our credit scores are both 780+.

Yes all expenses (except car) is split 50/50 so they could be effectively doubled if you add in his salary.

Not changing my last name. I think it’s too old fashioned and goes against what I believe in

Hyundai Elantra. It was the worst decision ever I will never buy a Hyundai again. Needs new struts and something else that I can’t remember. Also has an electrical problem that needs fixed. Not to mention the engine could fail again as the engines are faulty but no official recall

Current car is 11 years old and is unreliable. Needs about 3k in repairs and is on second engine already

I mean with 40k collectively in emergency fund/home repair savings can’t that cover most major home repairs?

My current car is 11 years old and needs 3k in repairs. It’s on its second engine and it’s very unreliable

Employer contributes 15% to pension plan and I don’t have to contribute at all. He maxes out his IRA and 401k to employer match (4%). I plan to bump up my 403b contributions to 5% in 2024/2025

This is my HALF of our budget. We keep our finances separate

My half. I edited the post. He has budgeted for the mortgage and has 10k saved for downpayment/closing. He also has 5k earmarked for the wedding. He is maxing out his IRA and 401k match.

We only plan to put 5% down. For a first time home where we live 12k is 5% down. Fiancé has another 10k for closing

HYSA. Mine is 3% and I know there are others that are higher

Well the federal loan forgiveness is on pause so don’t bank on that. Also, have you found a home for 100k?

With a loan amortization schedule on a 30 year mortgage my guess is your got an 8-9% rate.

I mean with your new salary, I don’t see why you can’t afford a $2500 a month mortgage (full PITI). Possibly more but you didn’t break out a full budget to share what you spend on groceries, gas, car insurance etc.

Well you didn’t say your interest rate, but rates are high right now ~6%. Not to mention your income is low and you have 27k debt.

Ahhh okay makes more sense. Something similar to going from RN to CNP

Edit: but obviously more niche.

If I were you I’d buy

Anyway to get an offer from her current company that she’ll be staying on? Tell them you’re trying to buy a home. Niche field tells me if current company doesn’t keep her then you’d likely have to move. Lexington is a decent size but it’s not Chicago