Nowhere. But I’m planning so it’s as easy as it can be. I’m about where I expect to get in my career. An extra 100k out is essentially a year of my working life gone. I’m absolutely prepared to spend what makes sense and live a good life, but I don’t want to be stupid about it.

Plus, with interest rates where they are, the smaller the loan has to be the more we save over time. I’d just like to be responsible so when that dream home comes up we’re in the best position we can be.