I think 2023 is a great goal, you’ll have your car paid off by then easily! plus plenty of time to save for emergency fund! with the price of the house, I know Oklahoma is lower cost of living than CO where we are, but we decided to pay a bit more to build in a neighborhood, and I absolutely love my house. We plan to raise our kids in this house as it’s way too big for us right now. So when thinking about prices, do you want to move again in a few years or do you want something that can be more of a forever ish home? Do you want something newer or something you may have to spend more money renovating/ fixing up. To me, it was worth having a brand new home. We are building up our joint house emergency fund still (at $6k now) but I have my individual emergency fund of 5 months of bills worse case scenario when we bought and still have. We also used the VA loan so that is clutch for first time homeowners with no closing costs. And now 11 months later, we are refinancing to 2. 75% interest since the market is so low. Girl homeownership is scary but SO worth it. We bought a lot of the lawn stuff/ maintenance overtime when we were still renting, but knew we were going to buy so it wasn’t overwhelming when we moved in. I love finally calling A home OURS . ❤️